38+ Mortgage Statistics for 2026

The most comprehensive collection of mortgage statistics, updated for 2026. Whether you are a first-time buyer, real estate professional, or financial journalist, these data points cover everything from current rates to market trends and borrower demographics.

Last updated: March 2026. Sources include Freddie Mac, NAR, Census Bureau, Federal Reserve, and original Amortio calculations.

Table of Contents

📊 Mortgage Rate Statistics

6.65%
Average 30-year fixed mortgage rate as of early 2026
Source: Freddie Mac PMMS
5.89%
Average 15-year fixed mortgage rate as of early 2026
Source: Freddie Mac PMMS
6.18%
Average 5/1 ARM rate
Source: Bankrate survey
6.12%
Average FHA loan rate
Source: ICE Mortgage Technology
5.95%
Average VA loan rate
Source: ICE Mortgage Technology
6.82%
Average jumbo loan rate
Source: Bankrate survey
2.65%
Historic low for 30-year fixed rates (January 2021)
Source: Freddie Mac
7.79%
Post-pandemic peak 30-year rate (October 2023)
Source: Freddie Mac

🏠 Home Price Statistics

$412,300
Median existing-home sale price in the US (2026)
Source: NAR
$420,800
Median new-home sale price (2026)
Source: Census Bureau
47%
Home price increase over the past 5 years nationally
Source: S&P Case-Shiller
$1,342,000
Median home price in San Jose, CA (highest major metro)
Source: Zillow ZHVI
$186,000
Median home price in Memphis, TN (one of the lowest major metros)
Source: Zillow ZHVI
4.2%
Expected home price appreciation for 2026
Source: Fannie Mae forecast

💰 Affordability Statistics

$114,627
Household income needed to afford the median US home (2026)
Source: NAR Housing Affordability Index
39%
Share of income the median household spends on mortgage payments
Source: Atlanta Fed HOAM
26%
First-time buyer share of all home purchases (2026)
Source: NAR Profile of Buyers
$2,604
Average monthly mortgage payment on the median home at current rates
Source: Amortio calculation
$240,256
Total interest paid on a $350,000 loan at 6.65% over 30 years
Source: Amortio calculation
6.7x
National median home price-to-income ratio
Source: ATTOM Data

📈 Housing Market Statistics

4.15 million
Existing homes sold in the US (2026 projected)
Source: NAR forecast
3.5 months
Housing inventory supply (2026)
Source: NAR
$1.8 trillion
Total mortgage originations projected for 2026
Source: MBA forecast
65.7%
US homeownership rate
Source: Census Bureau
12.6 million
Homeowners with equity above 50%
Source: ATTOM Data
$32.6 trillion
Total US residential mortgage debt outstanding
Source: Federal Reserve

👥 Borrower Demographics

36 years
Median age of first-time home buyers
Source: NAR Profile of Buyers
14%
Down payment for first-time buyers (median)
Source: NAR
23%
Down payment for repeat buyers (median)
Source: NAR
740
Average credit score for approved conventional mortgages
Source: ICE Mortgage Technology
680
Average credit score for approved FHA loans
Source: ICE Mortgage Technology
45 days
Average time to close a mortgage loan
Source: ICE Mortgage Technology

💡 Savings & Extra Payments

$45,320
Interest saved by adding $100/mo extra on a $200K loan at 6.65%
Source: Amortio calculation
4 years, 8 months
Time saved on a 30-year mortgage by adding $100/mo extra
Source: Amortio calculation
$127,000
Interest saved by choosing 15-year over 30-year on a $350K loan
Source: Amortio calculation
0.5%
Average rate reduction by improving credit score 50 points
Source: myFICO research
$47,000
Total savings from a 0.5% lower rate on a $350K 30-year loan
Source: Amortio calculation
$1,100
Average annual savings from removing PMI after reaching 20% equity
Source: Urban Institute

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Methodology & Sources

Statistics are compiled from public data sources including Freddie Mac Primary Mortgage Market Survey (PMMS), National Association of Realtors (NAR), US Census Bureau, Federal Reserve, ATTOM Data Solutions, ICE Mortgage Technology, Zillow Home Value Index (ZHVI), MBA Mortgage Finance Forecast, Fannie Mae Housing Forecast, and original calculations by Amortio. "Amortio calculation" figures are computed using standard amortization formulas. This page is updated monthly. If you cite these statistics, please link to this page as the source.