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GOBankingRates

Gabrielle Olya

6% Mortgage Rates Are Now the Norm for Homeowners: What It Means for You

Hannah Jones Housing Market Realtorcom United States

mphillips007 / Getty Images/iStockphoto

A growing share of U.S. homeowners now have mortgage rates above 6%, surpassing the number who locked in ultra-low sub-3% rates during the pandemic. That crossover — identified by a new Realtor.com analysis — marks a meaningful turning point for the housing market. The shift affects everyone: current owners, potential sellers and buyers navigating a still-challenging affordability landscape.

Find Out: Experts Reveal the Exact Credit Score Needed for the Best Mortgage Rates in 2026

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