{"id":10715,"date":"2026-01-19T09:35:36","date_gmt":"2026-01-19T13:35:36","guid":{"rendered":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/?p=10715"},"modified":"2026-01-19T09:35:36","modified_gmt":"2026-01-19T13:35:36","slug":"mortgage-rate-update-5","status":"publish","type":"post","link":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/2026\/01\/19\/mortgage-rate-update-5\/","title":{"rendered":"Mortgage Rate Update"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2026\/01\/260119Home.jpg\" alt=\"\" class=\"wp-image-10716\" srcset=\"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2026\/01\/260119Home.jpg 1000w, https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2026\/01\/260119Home-300x300.jpg 300w, https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2026\/01\/260119Home-150x150.jpg 150w, https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2026\/01\/260119Home-768x768.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"\">Mortgage interest rates have edged down only slightly over the past 30 days. As of this week, the average U.S. rate for a 30\u2011year fixed mortgage is 6.06%, compared with 6.21% a month ago. More borrowers have been reporting that they are securing rates below 6%. While most forecasts anticipate a gradual decline continuing through 2026, it remains uncertain whether the market has already priced in the expected Federal Reserve rate cuts.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"\">Relative to the long\u2011term average of 7.7%, today\u2019s rates still offer meaningful savings, roughly $110 less per month for every $100,000 borrowed. Rates are also lower than they were a year ago. Over the past 12 months, the average monthly payment on a $100,000 30\u2011year fixed mortgage has dropped by about $55. For a borrower taking out the 2026 maximum conventional loan of $832,750, today\u2019s payment would be approximately $450 lower than it would have been in January 2025.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage interest rates have edged down only slightly over the past 30 days. As of this week, the average U.S. rate for a 30\u2011year fixed mortgage is 6.06%, compared with 6.21% a month ago. More borrowers have been reporting that they are securing rates below 6%. While most forecasts anticipate a gradual decline continuing through [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31,3,1],"tags":[12,16,15,20,19,17],"class_list":["post-10715","post","type-post","status-publish","format-standard","hentry","category-home-prices","category-mortgages","category-real-estate","tag-home-buying","tag-manatee-county","tag-real-estate","tag-real-estate-agent","tag-realtor","tag-sarasota-county"],"_links":{"self":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts\/10715","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/comments?post=10715"}],"version-history":[{"count":1,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts\/10715\/revisions"}],"predecessor-version":[{"id":10717,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts\/10715\/revisions\/10717"}],"wp:attachment":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/media?parent=10715"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/categories?post=10715"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/tags?post=10715"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}