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Mortgage Rates Drop to 6.18%, Home Listings Rise

12/25/2025

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Story summary
  • The average rate on a 30-year U.S. mortgage fell to 6.18% this week, from 6.21% last week, according to Freddie Mac (the Federal Home Loan Mortgage Corporation).
  • The 30-year rate is significantly lower than the 6.85% average from a year ago.
  • The 15-year fixed-rate mortgage rose to 5.50%.
  • Home listings have increased.
  • Affordability remains a challenge for first-time buyers.