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US 30-Year Mortgage Rate Rises for Fourth Consecutive Week, Nearing 7% and Hitting 19-Month High, Suppressing Housing Market Demand

2026-09-18

The US real estate market is once again facing the severe test of soaring financing costs. According to the latest data, as of September 17, 2026, the US 30-year fixed mortgage rate jumped significantly by 19 basis points to 6.95% from the previous 6.76%. This figure has not only climbed for four consecutive weeks but also hit a 19-month high, just one step away from the 7% psychological threshold.

Observing the overall mortgage loan structure in the housing market, rates across all terms and types have risen across the board. In addition to the 30-year benchmark, the 15-year fixed mortgage rate also climbed in tandem to 6.26%. Furthermore, the average rate for jumbo loans (Jumbo Rates) in coastal high-cost areas has recently even surpassed standard loans, breaking through the 7% threshold. These heavy costs have caused home purchase mortgage and refinance applications to each post double-digit year-over-year declines.

This rapid surge in mortgage rates primarily stems from the monetary policy moves of the US Federal Reserve (Fed) and volatility in the bond market. Market analysis points out that the Fed resumed interest rate hikes in September to curb sticky inflation, driving the 10-year US Treasury yield—which serves as a pricing benchmark for mortgages—to remain at a high level. Zillow economists stated that the recent rapid rise in interest rates is impacting an already sluggish housing market, directly offsetting the purchasing power brought about by employment and wage growth.

Looking ahead, in the short term of 1-2 months, since inflation data has not yet shown clear signs of retreating, the 30-year mortgage rate is expected to fluctuate at high levels around 7%, continuing to suppress existing home sales and builder profits. Over the medium term of 3-6 months, market focus will shift to the timing of the Fed's subsequent rate cuts; if inflation can be effectively controlled by the end of the year as expected, mortgage rates may hopefully gradually pull back in 2027, bringing opportunities for recovery to the real estate market.

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