U.S. Homeowners Face 73% Spike in Payments to Move, Realtor.com Finds

Reuters12-09

U.S. Homeowners Face 73% Spike in Payments to Move, Realtor.com Finds

News Corporation, through its subsidiary Realtor.com, has published a market analysis highlighting a significant "lock-in effect" impacting the U.S. housing market. The report reveals that typical current mortgage holders would face a 73.2% spike-nearly $1,000 more per month-if they were to buy a median-priced home at today's rates. This disparity between existing low mortgage payments and the higher costs of new mortgages has made many homeowners reluctant to move, restricting housing supply. The analysis notes that while the lock-in effect is less severe in lower-cost markets such as Pittsburgh, Baltimore, and Buffalo, the required increase in monthly payments remains substantial even in these areas. The phenomenon is largely attributed to the surge in ultra-low mortgage rates during 2020-2021, which has left many homeowners unwilling to give up their advantageous terms as rates and home prices have climbed since 2022.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. News Corporation published the original content used to generate this news brief via PR Newswire (Ref. ID: LA41565) on December 09, 2025, and is solely responsible for the information contained therein.

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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