The Most Encouraging Sign in 3 Years | Dec. 2025 Housing Market Update
Summary
This BiggerPockets article discusses the December 2025 housing market update, highlighting a potentially encouraging sign for the housing market with improving affordability due to relatively flat prices and declining mortgage rates. Hosts should pay attention to regional market differences, particularly in Florida and the Gulf region, and consider refinancing if they have mortgages with higher interest rates.
Key Insights
- •12 of the 14 biggest market corrections are in Florida. The Gulf region (Texas, Louisiana) is also seeing corrections.
- •Home affordability has hit its best level in two and a half years due to flat prices and declining mortgage rates.
- •Home prices are up 1.4% year over year nationally, but there are major regional differences. 105 of the top 300 regional markets are in decline.
- •Mortgage rates are down to 6.25% from 7.25% a year ago.
Action Items
- ✓Consider refinancing your mortgage if you have a rate in the 7% or 8% range.Effort: lowImpact: medium
Tools & Resources
- →Zillow: The article mentions Redfin and Zillow for price data, and the ICE mortgage monitor.(zillow.com)
- →ICE mortgage monitor: The article mentions Redfin and Zillow for price data, and the ICE mortgage monitor.
- →Redfin: The article mentions Redfin and Zillow for price data, and the ICE mortgage monitor.(redfin.com)
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