05/26/2026
Stop waiting for 3% rates.
I hear this every week.
“I’ll buy when rates drop back to 3%.”
Let’s look at the numbers.
50 years of mortgage rates:
🏠 1975 — 9%
📈 1980 — 13.7%
📉 1985 — 12.4%
🏡 1990 — 10.1%
📊 1995 — 7.9%
💼 2000 — 8.1%
🔑 2005 — 5.9%
📆 2010 — 4.7%
📉 2015 — 3.9%
🔥 2020 — 3.1%
📍 2025 — 6.6%
✅ Today — 6.57%
The 50-year average is over 7.7%.
Read that again.
Today’s rate sits below the long-term average.
The 3% era was the exception. Not the rule.
Yet many buyers sit on the sidelines waiting for a number that showed up during a global crisis.
While they wait:
• Home prices keep rising
• Inventory keeps moving
• Equity keeps building for someone else
In Fort Mill, homes are still appreciating.
Buyers who act build wealth.
Buyers who wait watch prices climb past them.
Here’s how smart buyers think:
Marry the house.
Date the rate.
You can refinance a rate.
You cannot go back in time and buy at yesterday’s price.
What costs you more long term:
A 6.5% rate today?
Or paying $40,000 more for the same house next year?
If you want our free buyer guide for Fort Mill, comment FORTMILL below.
Let’s make a move based on facts. Not fear.
