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The latest news about real estate, home equity, home ownership and home insurance from our Bankrate experts.

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“There’s no dismissing the fact that housing affordability continues to be a major pain point for Americans.”

– Mark Hamrick

Housing Affordability in 2025: With home prices rising ever higher, inventory still too low and mortgage rates remaining stubbornly elevated, it’s a very challenging time to be a homebuyer.

The housing market can be significantly impacted by outside economic forces, including Federal Reserve moves and inflation. In fact, the shelter category of the Consumer Price Index (CPI), which measures inflation, shows that housing costs have been an outsized contributor to overall inflation in the U.S.
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Principal Writer, Home Lending

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Latest Real Estate & Home Lending News

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Home equity rates barely budged heading into the final Federal Reserve meeting of 2025. The $30,000 home equity line of credit was unchanged, holding at 7.81% for the fourth straight week, according to [...]
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Mortgage rates dropped a bit lower this week in anticipation of another Fed cut.
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Bankrate analysts and others weigh in on what to expect for mortgage rates in December.
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There was minimal movement for home equity rates this Thanksgiving week.
A house on a stack of money
Mortgage rates dropped a bit lower this week.
house balanced on stack of coins, pink background, photo illustration
Home equity rates are holding steady at lows not seen since 2023.
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Mortgage rates jumped up this week.
A house on a stack of money
Mortgage rates edged back down a bit lower this week.
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Whether or not it cuts rates, the Fed may not be able to reset the market.
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The housing market isn’t immune from outside economic forces, including inflation.
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If you’re thinking about buying a house in 2025, you’re likely hoping for some kind of relief to make the purchase feel a bit easier on your bank account. Eighty-three percent of U.S. adults who don’t [...]
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Home prices keep pushing ever higher, though the pace of growth has slowed.
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house balanced on stack of coins, pink background, photo illustration
Home equity rates barely budged heading into the final Federal Reserve meeting of 2025. The $30,000 home equity line of credit was unchanged, holding at 7.81% for the fourth straight week, according to [...]
house balanced on stack of coins, pink background, photo illustration
There was minimal movement for home equity rates this Thanksgiving week.
house balanced on stack of coins, pink background, photo illustration
Home equity rates are holding steady at lows not seen since 2023.
house balanced on stack of coins, pink background, photo illustration
Home equity rates have now dipped to levels not seen since 2023.
photo illustration - house balanced on stack of coins - pink background
Home equity line of credit (HELOC) rates have dipped to levels not seen since March 2023. The $30,000 home equity line of credit fell eight basis points to 7.82%, according to Bankrate’s national survey [...]
If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Here’s what’s happening with home equity rates this week.
Here’s what’s happening with home equity rates this week.