US housing market: October 2026
The median US home listing price was $415,000 in October 2026, down 2.2% from October 2025, according to Realtor.com. 1.18 million homes were for sale (+7.4% from a year earlier); the typical listing spent 63 days on the market, versus 63 a year earlier; 33.3% of listings had a price cut. The 30-year fixed mortgage rate averaged 7.33% in October 2026, compared with 6.25% a year earlier (Freddie Mac). At that rate, the monthly principal and interest on the median-priced listing with 20% down would be about $2,283, up 9.2% from $2,090 a year earlier.
Median listing price (Realtor.com)
30-year fixed mortgage rate, monthly average (Freddie Mac)
Active listings (Realtor.com)
Case-Shiller national home prices, 12-month change
October 2026 in detail
| October 2026 | Value | A year earlier | Change |
|---|---|---|---|
| Median listing price | $415,000 | $424,400 | -2.2% |
| Median price per sq ft (listings) | $222 | $225 | -1.3% |
| Active listings | 1.18 million | 1.10 million | +7.4% |
| New listings | 357,268 | 386,414 | -7.5% |
| Listings with a price reduction | 393,948 | 388,956 | +1.3% |
| Median days on market | 63 | 63 | +0.0% |
| 30-year fixed mortgage rate (avg) | 7.33% | 6.25% | +17.2% |
| 15-year fixed mortgage rate (avg) | 6.66% | 5.49% | +21.4% |
| Payment on median listing (P&I, 20% down) | $2,283 | $2,090 | +9.2% |
SAAR = seasonally adjusted annual rate. Mortgage rates are the average of Freddie Mac's weekly readings in the month. The payment is an illustration: principal and interest on the median listing price with 20% down and a 30-year fixed loan at that month's average rate, before taxes and insurance.
Monthly housing market reports
2026
October 2026September 2026August 2026July 2026June 2026May 2026April 2026March 2026February 2026January 20262025
December 2025November 2025October 2025September 2025August 2025July 2025June 2025May 2025April 2025March 2025February 2025January 20252024
December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 20242023
December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 20232022
December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022April 2022March 2022February 2022January 20222021
December 2021November 2021Frequently asked questions
Are home prices going down?
The median listing price was $415,000 in October 2026, down 2.2% from a year earlier (Realtor.com); the S&P Case-Shiller national index of actual sale prices was +2.1% over the 12 months to August 2026. Listing prices reflect what sellers ask; Case-Shiller tracks repeat sales of the same homes.
What are mortgage rates right now?
The 30-year fixed rate averaged 7.33% in October 2026 and the 15-year 6.66%, according to Freddie Mac's weekly survey. See the weekly series on our 30-year mortgage rate page.
Where does this data come from?
Listing prices, inventory, days on market and price cuts are Realtor.com's monthly housing inventory data; new-home sales, supply, permits and starts come from the Census Bureau; the home price index is S&P's Case-Shiller national index; mortgage rates are Freddie Mac's weekly survey; rent inflation is from the Bureau of Labor Statistics. All are read through FRED, the Federal Reserve Bank of St. Louis database. Existing-home sales from the National Association of Realtors are not included.
Sources: Realtor.com (housing inventory), U.S. Census Bureau (new residential sales and construction), S&P Dow Jones Indices (Case-Shiller), Freddie Mac (mortgage rates) and U.S. Bureau of Labor Statistics (rent CPI), via FRED, Federal Reserve Bank of St. Louis. Data checked Nov 6, 5:42 PM ET. Not investment advice.