09/21/2026
Election years can bring uncertainty, but they don’t automatically make mortgage rates go up or down. Rates are usually shaped by inflation, Federal Reserve policy, investor confidence, and the broader economy.
If you’re thinking about buying, focus on your budget, your monthly payment, and your local market — and talk with a REALTOR® and lender to learn the best options for your personal financial situation.
Don’t forget to visit the Center for California Real Estate (CCRE) Consumer Trends & Insights, which is a FREE monthly C.A.R. member resource delivering ready-to-use marketing tools; just click, download, and share. Each toolkit includes social media graphics, slides, and infographics designed to help REALTORS® engage clients, spotlight emerging consumer trends, and demonstrate their value in today’s fast-changing market.
This month, in anticipation of this year's mid-term elections. We're taking a look at how the housing market is impacted by election years. Every election season brings a wave of headlines, predictions, and opinions about what might happen to the housing market. In this issue, we'll examine data on how mortgage rates are impacted by elections, dispel common myths about housing and election years, and identify which political issues C.A.R. members should keep an eye on this election cycle.