The 30-year fixed mortgages in this week’s survey had an average total of 0.34 discount and origination points. Discount points are a way to lower your mortgage rate, while origination points are fees lenders charge to create, review and process your loan.The national median family income for 2025 was $104,200, according to the U.S. Department of Housing and Urban Development, and the median price of an existing home sold in December 2025 was $405,400, according to the National Association of Realtors. Based on a 20% down payment and a 6.25% mortgage rate, the monthly payment of $1,997 amounts to about 23% of the typical family’s monthly income.

 

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