Sellers Do What No One Expects | Dec. 2025 Housing Market Update
Summary
This December 2025 housing market update from BiggerPockets discusses the current state of the market, including flat home prices, declining mortgage rates, and improved affordability. Hosts should take note of regional differences in price corrections and consider refinancing options to improve cash flow.
Key Insights
- •Mortgage rates have dropped about 1% over the course of a year, now at 6.25%, which is positive for the housing market.
- •Home affordability has hit its best level in two and a half years, driven by flat prices and declining mortgage rates.
- •Home prices are up 1.4% year-over-year nationally, but there are major regional differences, with many markets in decline (105 of the top 300 regional markets are in a decline).
Action Items
- ✓Consider refinancing if your mortgage has a 7% or 8% interest rate, as a full percentage point drop in rates can significantly improve cash flow.Effort: lowImpact: medium
Tools & Resources
- →ICE Mortgage Monitor: Data from the mortgage monitor that comes out from ICE each month.
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