As of the first week of December, the 30-year fixed-rate mortgage has averaged 6.64% throughout 2025, not far off last year’s forecasts. For the coming year, most industry pros expect a slight decrease – though perhaps not as much as many buyers would hope.

• Mortgage Bankers Association: 6.4%
• Realtor.com: 6.3%
• Kushi: “low-6s”
• Lawrence Yun, National Association of Realtors: “Averaging around 6%… a modest decline that will improve affordability.”
• Fannie Mae: 6%

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