{"id":32660,"date":"2023-12-07T04:00:54","date_gmt":"2023-12-07T12:00:54","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=32660"},"modified":"2026-03-24T00:18:15","modified_gmt":"2026-03-24T07:18:15","slug":"buyer-why-are-mortgage-rates-going-up","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-why-are-mortgage-rates-going-up\/","title":{"rendered":"Mortgage Rates Are Going Up: But Why? We Break it Down Here"},"content":{"rendered":"

In an effort to curb inflation, the Federal Reserve raised its benchmark interest rates<\/a> seven times in 2022, followed by four more rate hikes in 2023. This pushed the 30-year fixed mortgage rate from its January 2021 low of 2.65%<\/a> to where it has been in recent months, fluctuating between 6.5% and 8%<\/a>.<\/p>\n

But why are mortgage rates going up?<\/p>\n

Unfortunately, there\u2019s no quick and easy answer to this question. Many factors are at play when it comes to determining mortgage interest rates, and there\u2019s little that the everyday consumer can do to change them. According to experts, though, now is still a good time to buy (or sell!) a home<\/a> if you\u2019re in a position to do so.<\/p>\n\n\n\n\n\n

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How Much Is Your Home Worth Now?<\/h3>\n

As you look ahead and plan your next move, you can get a near-instant real estate house price estimate from HomeLight for free. Our tool analyzes the records of recently sold homes near you, your home’s last sale price, and other market trends to provide a preliminary range of value in under two minutes.<\/p>\n \n

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With the help of HomeLight Mortgage expert Richie Helali<\/a> and top real estate agent Leanne Hester<\/a> based in Newport News, Virginia<\/a>, we\u2019re taking a deep dive into why mortgage rates have been rising in recent years and what it all means for homebuyers and sellers.

<\/div><\/p>\n

What determines mortgage interest rates?<\/h2>\n

In short, the market is what drives interest rates. And \u201cthe market\u201d means everything from stocks to inflation to consumer spending habits \u2014 so when the COVID-19 pandemic hit the U.S. in 2020<\/a> and brought everything to a screeching halt, well, the powers that be had to do something to get dollars moving around again.<\/p>\n

\u201cThe government did what the government normally does when there\u2019s a recession; they had to get people to spend money,\u201d says Helali. \u201cThey had to encourage people to spend, whether that was consumers, businesses, and so forth \u2014 they needed people to invest. So as a result, they slashed interest rates.\u201d<\/p>\n

And at the top of this \u201cthey\u201d is the Fed, the same government entity that has now been raising interest rates in an effort to curb inflation<\/a>.<\/p>\n

The Federal Reserve System<\/h3>\n

The Federal Reserve System defines itself<\/a> as \u201cthe central bank of the United States\u201d, with five functions that serve to \u201cpromote the effective operation of the U.S economy and, more generally, the public interest.\u201d<\/p>\n

Part of these functions is to moderate long-term interest rates \u2014 including those for mortgages. The Fed increases interest rates to help combat inflation<\/a>, which is at a 40-year high. When borrowing money becomes more expensive, people tend to spend less.<\/p>\n

If you\u2019re thinking this all sounds very back-and-forth \u2014 so the Fed wanted us to spend money during the past two years, but now we\u2019re supposed to spend less? \u2014 you\u2019re not wrong.<\/p>\n

\u201cToward the end of last year and this year, we started seeing rates go up quite a bit and extremely quickly. This was the result of inflation,\u201d Helali explains. \u201cPart of the pandemic supply chain issues comes from folks wanting to spend more money to get the same goods, and as a result, inflation comes in at a record high. When that happens, the government needs to find a way to manage.\u201d<\/p>\n

Thus, interest rates go up, and the housing market<\/a> slows.<\/p>\n

\u201cBut it\u2019s all for good reasons,\u201d says Helali. \u201cThe ultimate goal is that we need to get that proper balance.\u201d This balance is what economists call a \u201csoft landing<\/a>,\u201d a tightrope walk that requires keeping unemployment and inflation low while at the same time generating robust growth. History has shown us this is an elusive combination.<\/p>\n

Prime rates and the bond market<\/h3>\n

While the Fed is at the helm of why interest rates have been going up the past two years, the prime rate and the bond market also play roles in how people spend their money.<\/p>\n

As the term suggests, the prime rate<\/a> is a rate that banks and other financial institutions offer to well-qualified customers. People with great credit<\/a> can typically receive a lower interest rate, or this so-called prime rate. Banks adjust the prime rate based on what the Fed has set forth and what the market is otherwise doing \u2014 always trying to strike that balance to get consumers to spend enough money to avoid a recession, but not so much as to cause inflation.<\/p>\n

Within the bond market<\/a>, participants can exchange debt securities, usually in the form of bonds. These are investments, subject to fluctuation in value depending on what\u2019s happening with the market. When fixed-rate bond prices are up, mortgage rates are down, and vice versa.<\/p>\n

Inflation and the economy<\/h3>\n

As Helali explained, when spending stops, we can enter a recession. When frantic spending occurs, with people willing to pay more than they usually would for goods and services, inflation can occur.<\/p>\n

In 2021 and 2022, the real estate market was hot, hot, hot<\/a> \u2014 with sellers holding the literal keys as buyers scrambled to find inventory and compete against multiple offers<\/a> in the hopes of a successful purchase. As the market cooled<\/a>, things started to level out for buyers, and part of this was due to increasing interest rates slowing down the bidding frenzy.

<\/div><\/p>\n

Why are mortgage rates going up?<\/h2>\n

As we\u2019ve just covered, inflation is at the core of why mortgage rates have been going up. Whether they\u2019ll continue to rise will depend on how the Feds feel about their efforts as they monitor the country\u2019s inflation gauges<\/a>. As 2023 comes to a close, many experts feel inflation remains elevated but has cooled significantly.<\/p>\n

Interest rate forecasts<\/h3>\n

Most economists agree that rates should decline somewhat<\/a> throughout 2024, but forecasters can’t agree on how low rates will fall or when relief may come. Fannie Mae and Goldman Sachs predict that rates will stay above 7%<\/a> all year, while The National Association of Realtors, Mortgage Finance Forecast and Wells Fargo predict rates to fall below 7%<\/a> by year-end.<\/p>\n

Interest rate perspectives<\/h3>\n

While rates in the 6% and 7% range may sound high compared to the 2% to 4% rates we\u2019ve had for the last couple of years, from a historical context, mortgage rates are still pretty affordable. Just take a look at this New York Times article<\/a> from January 1986, when the possibility of 30-year rates dipping below 10% was an exciting possibility.<\/p>\n

Mortgage rate trends 1974-2023<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Year<\/strong><\/td>\nAverage 30-year rate<\/strong><\/td>\nYear<\/strong><\/td>\nAverage 30-year rate<\/strong><\/td>\nYear<\/strong><\/td>\nAverage 30-year rate<\/strong><\/td>\nYear<\/strong><\/td>\nAverage 30-year rate<\/strong><\/td>\n<\/tr>\n
1974<\/strong><\/td>\n9.19%<\/td>\n1987<\/strong><\/td>\n10.21%<\/td>\n2000<\/strong><\/td>\n8.05%<\/td>\n2013<\/strong><\/td>\n3.98%<\/td>\n<\/tr>\n
1975<\/strong><\/td>\n9.05%<\/td>\n1988<\/strong><\/td>\n10.34%<\/td>\n2001<\/strong><\/td>\n6.97%<\/td>\n2014<\/strong><\/td>\n4.17%<\/td>\n<\/tr>\n
1976<\/strong><\/td>\n8.87%<\/td>\n1989<\/strong><\/td>\n10.32%<\/td>\n2002<\/strong><\/td>\n6.54%<\/td>\n2015<\/strong><\/td>\n3.85%<\/td>\n<\/tr>\n
1977<\/strong><\/td>\n8.85%<\/td>\n1990<\/strong><\/td>\n10.13%<\/td>\n2003<\/strong><\/td>\n5.83%<\/td>\n2016<\/strong><\/td>\n3.65%<\/td>\n<\/tr>\n
1978<\/strong><\/td>\n9.64%<\/td>\n1991<\/strong><\/td>\n9.25%<\/td>\n2004<\/strong><\/td>\n5.84%<\/td>\n2017<\/strong><\/td>\n3.99%<\/td>\n<\/tr>\n
1979<\/strong><\/td>\n11.20%<\/td>\n1992<\/strong><\/td>\n8.39%<\/td>\n2005<\/strong><\/td>\n5.87%<\/td>\n2018<\/strong><\/td>\n4.54%<\/td>\n<\/tr>\n
1980<\/strong><\/td>\n13.74%<\/td>\n1993<\/strong><\/td>\n7.31%<\/td>\n2006<\/strong><\/td>\n6.41%<\/td>\n2019<\/strong><\/td>\n3.94%<\/td>\n<\/tr>\n
1981<\/strong><\/td>\n16.63%<\/td>\n1994<\/strong><\/td>\n8.38%<\/td>\n2007<\/strong><\/td>\n6.34%<\/td>\n2020<\/strong><\/td>\n3.10%<\/td>\n<\/tr>\n
1982<\/strong><\/td>\n16.04%<\/td>\n1995<\/strong><\/td>\n7.93%<\/td>\n2008<\/strong><\/td>\n6.03%<\/td>\n2021<\/strong><\/td>\n2.96%<\/td>\n<\/tr>\n
1983<\/strong><\/td>\n13.24%<\/td>\n1996<\/strong><\/td>\n7.81%<\/td>\n2009<\/strong><\/td>\n5.04%<\/td>\n2022<\/strong><\/td>\n5.34%<\/td>\n<\/tr>\n
1984<\/strong><\/td>\n13.88%<\/td>\n1997<\/strong><\/td>\n7.60%<\/td>\n2010<\/strong><\/td>\n4.69%<\/td>\n2023<\/strong><\/td>\n6.83%*<\/td>\n<\/tr>\n
1985<\/strong><\/td>\n12.43%<\/td>\n1998<\/strong><\/td>\n6.94%<\/td>\n2011<\/strong><\/td>\n4.45%<\/td>\n2024<\/strong><\/td>\n<\/td>\n<\/tr>\n
1986<\/strong><\/td>\n10.19%<\/td>\n1999<\/strong><\/td>\n7.44%<\/td>\n2012<\/strong><\/td>\n3.66%<\/td>\n2025<\/strong><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Source: Freddie Mac<\/a> (*2023 estimate)<\/em><\/p>\n

2023 average 30-year mortgage rate<\/h3>\n\n\n\n\n\n\n
January<\/strong><\/td>\nFebruary<\/strong><\/td>\nMarch<\/strong><\/td>\nApril<\/strong><\/td>\nMay<\/strong><\/td>\nJune<\/strong><\/td>\n<\/tr>\n
6.13%<\/td>\n6.50%<\/td>\n6.32%<\/td>\n6.43%<\/td>\n6.57%<\/td>\n6.71%<\/td>\n<\/tr>\n
July<\/strong><\/td>\nAugust<\/strong><\/td>\nSeptember<\/strong><\/td>\nOctober<\/strong><\/td>\nNovember<\/strong><\/td>\nDecember<\/strong><\/td>\n<\/tr>\n
6.81%<\/td>\n7.18%<\/td>\n7.31%<\/td>\n7.79%<\/td>\n7.50%<\/td>\n7.45%*<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Source: Freddie Mac<\/a> (*December 2023 estimate)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Mortgage rates have been steadily increasing since their historic lows in 2020 and 2021. We will go over what determines mortgage rates and the reasons for the increases. <\/p>\n","protected":false},"author":298,"featured_media":39490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,620,697],"tags":[748],"class_list":["post-32660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-buy-house","category-market-news","tag-mortgage-rates"],"acf":[],"yoast_head":"\nWhy Are Mortgage Rates Going Up?<\/title>\n<meta name=\"description\" content=\"Mortgage rates have been increasing since their historic pandemic-era lows. 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