10/16/2026
How Texas Real Estate Adapts to Federal Rate Changes
When the Federal Reserve raises interest rates as they just did to 3.75%, the ripple effects are felt across the Texas real estate marketāespecially here in Houston. With mortgage rates now at 6.97%, the highest weāve seen since May 2025, affordability is front and center for buyers and sellers alike. Right now, only about 40% of Houston households are able to purchase homes priced near $330,000, highlighting the very real affordability challenges many face.
Having guided clients through many shifts and challenges in the market since 2005, I know thereās no universal solution. Whether youāre just starting your search, considering a move, or weighing the sale of your home, itās important to have honest, clear insight into what these rate changes might mean for your next steps. Iām here to help you make sense of the numbers and navigate your options, so you can make choices that fit your unique goals and circumstances.
https://www.housing-trends.com/agent-news/agent-6/2071111-How-Texas-Real-Estate-Adapts-to-Federal-Rate-Changes