{"id":10018,"date":"2026-09-30T17:00:00","date_gmt":"2026-10-01T00:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/staging\/?p=10018"},"modified":"2026-09-30T17:00:00","modified_gmt":"2026-10-01T00:00:00","slug":"us-mortgage-costs-hit-14-month-high","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/us-mortgage-costs-hit-14-month-high\/","title":{"rendered":"US Mortgage Costs Hit 14-Month High"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/mortgage-costs-high-remotion-videos-de5b\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Mortgage costs have reached a 14-month high, and that\u2019s putting extra pressure on buyers across the country. By late Q3, the typical monthly payment rose to $2,600 as mortgage rates climbed and median sale prices held steady\u2014now around $399,000, up about 2% from last year. That combination is making affordability a real challenge, with pending sales holding flat month-over-month and trailing last year\u2019s numbers.<\/p>\n<p>Applications for mortgages dipped slightly, and while new listings dropped a bit due to holiday schedules, they\u2019re still modestly above where we were at this point in 2025. For sellers, pricing strategy has become even more important: about 21% of active listings cut their prices recently. Sharper, realistic pricing is attracting attention, while overpricing tends to hold buyers back.<\/p>\n<p>On the positive side, inventory is improving\u2014active supply is up 2% year-over-year, now at 1.5 million homes, with about four months of supply. Still, that\u2019s not quite a balanced market just yet.<\/p>\n<p>I\u2019m always focused on helping my clients navigate these shifts with confidence and a long-term mindset. Real estate remains a powerful tool for building wealth and reducing financial stress, especially when you approach the market with knowledge and integrity.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage costs have reached a 14-month high, and that\u2019s putting extra pressure on buyers across the country. By late Q3, the typical monthly payment rose to $2,600 as mortgage rates climbed and median sale prices held steady\u2014now around $399,000, up about 2% from last year. That combination is making affordability a real challenge, with pending [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-10018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2BA","jetpack-related-posts":[{"id":8976,"url":"https:\/\/lisamillerpllc.com\/staging\/breaking-down-your-mortgage-payment-what-youre-really-paying-for-each-month\/","url_meta":{"origin":10018,"position":0},"title":"Breaking Down Your Mortgage Payment: What You\u2019re Really Paying for Each Month","author":"admin","date":"December 5, 2025","format":false,"excerpt":"A mortgage payment consists of four main components: principal, interest, taxes, and insurance (PITI). The principal is the loan amount, while interest is the cost of borrowing. Property taxes and homeowners insurance are typically managed through an escrow account. Pre-approval is crucial as it clarifies your budget, strengthens your offer\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8983,"url":"https:\/\/lisamillerpllc.com\/staging\/3-thrifty-ways-to-pay-off-your-mortgage-early\/","url_meta":{"origin":10018,"position":1},"title":"3 Thrifty Ways to Pay off Your Mortgage Early","author":"admin","date":"December 7, 2025","format":false,"excerpt":"About 34% of U.S. homeowners have paid off their mortgages, driven by a desire for stability in a changing economy. Here are three ways to pay off your mortgage early: 1. Switch to bi-weekly payments to make an extra full payment each year. 2. Consider creative refinancing options, such as\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9540,"url":"https:\/\/lisamillerpllc.com\/staging\/us-spring-listings-rise-buyers-lag\/","url_meta":{"origin":10018,"position":2},"title":"US Spring Listings Rise, Buyers Lag","author":"admin","date":"May 14, 2026","format":false,"excerpt":"Across the US, new listings \u21913% yearly in the 4 weeks ending April 19, the biggest gain since Late-Fall, while pending sales \u21931.2% yearly. Lower mortgage rates helped activity: avg.\u00a030-yr fixed fell to low-6%. Even so, the current spring buying season started slowly. Sale prices \u21912% yearly, rates stayed above\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/homeowners-listing-homes-spring_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":10039,"url":"https:\/\/lisamillerpllc.com\/staging\/u-s-builder-sentiment-hits-12-month-low\/","url_meta":{"origin":10018,"position":3},"title":"U.S. Builder Sentiment Hits 12-Month Low","author":"admin","date":"October 8, 2026","format":false,"excerpt":"Builder sentiment across the U.S. just reached its lowest point in the past year, with the latest builder-confidence index dropping 3 points to 32 in late Q3. As someone who guides everyday investors and homeowners through the ups and downs of residential real estate, I pay close attention to these\u2026","rel":"","context":"In &quot;Editor's Pick&quot;","block_context":{"text":"Editor's Pick","link":"https:\/\/lisamillerpllc.com\/staging\/category\/editors-pick\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/10\/home-builder-sentiment-remotion-videos-f500_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9408,"url":"https:\/\/lisamillerpllc.com\/staging\/what-to-know-about-mortgage-refinancing-and-common-refinancing-costs\/","url_meta":{"origin":10018,"position":4},"title":"What to Know About Mortgage Refinancing and Common Refinancing Costs","author":"admin","date":"April 5, 2026","format":false,"excerpt":"Refinancing replaces your current mortgage with a new loan, which may change your interest rate and monthly payment. Key factors include understanding your current loan terms, home equity, closing costs, and potential tax implications. Options can include fixed-rate and adjustable-rate mortgages, and some borrowers may be eligible for certain government-backed\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9321,"url":"https:\/\/lisamillerpllc.com\/staging\/five-things-that-can-affect-the-cost-of-your-first-mortgage\/","url_meta":{"origin":10018,"position":5},"title":"Five Things That Can Affect the Cost of Your First Mortgage","author":"admin","date":"March 8, 2026","format":false,"excerpt":"A fixed-rate mortgage can offer long-term payment stability, while an adjustable-rate mortgage may start with a lower initial payment and more variability over time. Talking with a certified financial counselor can help you understand how housing costs may fit into your overall budget. It also helps to account for additional\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/09\/mortgage-costs-high-remotion-videos-de5b_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/10018","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=10018"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/10018\/revisions"}],"predecessor-version":[{"id":10020,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/10018\/revisions\/10020"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/10019"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=10018"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=10018"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=10018"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}