Realtor.com November 11 Locked In Report: Typical Mortgage Payment Would Jump 85.3 Percent From 1332 to 2468 Dollars
Realtor.com released a locked in report on November 11, 2026, putting a monthly figure on the cost of moving for current mortgage holders.
The report said the typical mortgage holder pays 1332 dollars a month in principal and interest at a rate of about 4.0 percent, while buying the median priced home at 7.32 percent would cost an estimated 2468 dollars a month, an 85.3 percent increase of about 1100 dollars.
The estimate used the September 2026 median priced home of 419250 dollars with a typical down payment of 14.3 percent. The report said rates would need to fall to about 6.0 percent for half of United States households to afford the median priced home, and even then the typical payment would still run 61.7 percent higher than what current mortgage holders pay.
By metro area, Portland, Maine, faced the steepest jump at 167.0 percent, ahead of San Jose at 164.8 percent and Los Angeles at 161.9 percent, while Pittsburgh had the smallest gap at 43.3 percent. The report cited Federal Housing Finance Agency data that just 22.5 percent of outstanding mortgages carry a rate of 6 percent or higher.
Published by GSM · USA (original Chinese edition)
Photo: 图：图中是加利福尼亚州的公寓楼（通用图）。FASTILY，CC BY-SA 3.0，经Wikimedia Commons。 / Photo: file photo. FASTILY, CC BY-SA 3.0, via Wikimedia Commons.
