first‑time buyer mortgage rates
Mortgage Rates 2026 vs 2023 - Which Numbers Win
2026 mortgage rates sit at 4.5%, slightly higher than the 4.0% average in 2023, so the older numbers win for pure affordability, while the newer rates offer more stability for long-term planning. Even a 0.5% rate hike can cost a first-time buyer an extra $30,000 over