20/10/2026
💰 What 7.40% looks like on real North County price points (20% down, 30-yr fixed, principal + interest only):
• $600K → ~$3,323/mo (about $352 more than at last year’s 6.30%)
• $800K → ~$4,431/mo (about $470 more)
• $1M → ~$5,539/mo (about $587 more)
The Fed meets Oct 27–28. Nobody can call the next move, so plan around today’s number.
Ways buyers are offsetting it: seller credits, rate buydowns, and shopping multiple lenders. Your lender can tell you what fits your numbers.
Want the math at your price point? DM me.