01/09/2026
The Freddie Mac 30-year fixed rate is near its 2025 low, edging up just 1 basis point to 6.16%—the lowest first-week level since 2022.
Freddie Mac says rates are holding close to 6%, helping boost buyer demand, with purchase applications up more than 20% year over year.
Realtor.com Chief Economist Danielle Hale says lower rates are giving buyers, especially first-time buyers, more reason for optimism, even as conditions vary by market and some cities offer better opportunities than others.