09/08/2026
Rates feel high. But what are we comparing them to?
For many buyers, it’s 2020–2021, when mortgage rates were historically unusual. Zoom out across decades of rate history and the picture looks very different.
That doesn’t mean today’s rates are affordable for everyone, or that rates won’t change. But if you’re waiting for a specific rate, it’s worth asking:
How common has that rate actually been?
What mortgage rate are you waiting for?
Drop your number below.
