U.S. Housing Affordability Crisis Deepens as Average Mortgage Payments Exceed $2,000
The U.S. housing market has reached a milestone where the average monthly mortgage payment now exceeds $2,000, according to Realtor.com data from Q4 2025. This represents a 44% increase since 2021 and highlights ongoing affordability challenges driven by rising home prices and sustained high interest rates above 6%. A significant portion of mortgages still carry low pre-pandemic rates, contributing to market stagnation.
Topics: home prices interest rates mortgage payments refinancing trends