Monthly Housing Payments Drop, But Sales Aren't Rising -- Market Talk

Dow Jones01-08

1045 ET - The median U.S. monthly housing payment fell to $2,365 during the four weeks ending Jan. 4, Redfin says, down 4.7% from a year earlier and the lowest level since the start of 2024. Monthly payments fell largely because the weekly average mortgage rate dropped to 6.15% last week, the lowest level in a year, and down from roughly 7% at the beginning of 2025. Home prices are still rising, up 1.1% year over year, but price growth has decelerated from roughly 5% at this time last year. Lower monthly payments haven't yet brought many homebuyers or sellers back to the market. Pending home sales are down 6.7% year over year, and new listings are down 8.3%. Redfin says that when the spring season starts, competition will pick up, especially if mortgage rates drop more. (chris.wack@wsj.com)

(END) Dow Jones Newswires

January 08, 2026 10:46 ET (15:46 GMT)

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