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Should You Put Your Money in Real Estate in 2026?

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Thinking about putting your hard-earned money into real estate in 2026? It's a big question, and honestly, it's not a simple “yes” or “no” answer. While the dream of passive income and property appreciation is always appealing, the reality for 2026 is that real estate isn't a guaranteed jackpot. Instead, think of it as a smart play for those who are disciplined and know where to look. It’s a market that's settling down, offering a more balanced game for savvy investors.

Should You Put Your Money in Real Estate in 2026?

I’ve been following the real estate market for years, and what I see for 2026 is a shift. After the crazy ups and downs of the past few years, we’re heading into a period where things are becoming more predictable. This isn’t the sky-high appreciation we saw not too long ago, but it’s also not a crash. It’s a time for a different kind of investing – one that’s more about smart decisions and less about just riding a wave.

The Market Picture for 2026: A Calmer Seas Ahead

Let's break down what experts are saying and what I’ve observed. The biggest takeaway for 2026 is that the market is rebalancing. This means modest price growth, which is good news for buyers looking for more reasonable prices, and also for investors who prefer stability over wild swings.

Here’s a more detailed look:

  • Prices Won't Skyrocket, But They'll Grow Steadily: On a national level, expect home prices to go up by around 1% to 4%. This is generally slower than how much our paychecks are growing, which is fantastic for affordability. What this also means is that when you factor in inflation, actual home prices might even go down slightly for the second year in a row. This isn't a bad thing; it means we're moving away from inflated prices.
  • Mortgage Rates: A Little Breathing Room: Mortgage rates are predicted to settle in the low to mid-6% range. This is a slight improvement from 2025. While it's not the super-low rates of the past, it’s enough to encourage some buyers who were waiting it out to finally jump in. This could lead to more sales happening.
  • More Homes on the Market: Finally, some good news for buyers! We're expecting to see more existing homes come onto the market. Plus, new home construction is projected to pick up. This means you'll have more choices and likely more room to negotiate than you’ve had in recent years.
  • Where You Invest Matters – A Lot: This is super important. Markets are going to be all over the place. Some areas, especially in the Midwest, are showing really good growth. Others, particularly in the South and parts of the West, might see prices dip a bit. Why? It could be more homes being built or concerns about things like insurance costs. So, you can’t just pick any spot and expect it to do well.

Commercial Real Estate (CRE): Signs of Life

It’s not just about where people live. Commercial real estate is also in a recovery phase. Businesses are starting to invest again, and more deals are getting done.

  • What to Watch:
    • Industrial: Think warehouses and logistics centers. Demand here is still strong.
    • Living Spaces: Apartment buildings (multifamily), student housing, and senior living facilities are looking good because people always need a place to live.
    • Data Centers: With all the tech we're using, data centers are booming.
    • Necessity-Based Retail: Stores that sell everyday items, like grocery stores, are proving to be resilient.
  • The Office Situation: The office market is still a bit of a slow mover, but there are hints of improvement in some big city centers. It’s not the safest bet right now, but it’s starting to show signs of life.

Making Smart Investments in 2026: Focus on the Fundamentals

So, if it's not a guaranteed “bet,” how do you actually make money? It comes down to being smart and strategic.

  • Income is King: In 2026, the income a property generates will be the main driver of your returns. This means you need to find properties that consistently bring in rent and have good management looking after them.
  • Be Picky, Be Disciplined: As I mentioned, markets will be very different. Some properties will do great, others won't. Your success will depend on choosing the right properties in the right locations. Don't just buy anything; do your homework!
  • Think Long-Term: Real estate is a tool for building wealth over time. This whole market shift, sometimes called the “Great Housing Reset,” is expected to take several years to play out. Your decisions should be based on your personal financial goals and a commitment to holding onto a property for a while.

Where Are the Hot Spots in 2026?

Experts are pointing to a few key areas that are expected to shine in 2026. Generally, these are places that offer affordability, job growth, and where there isn't a ton of new construction flooding the market.

Top Residential Real Estate Markets to Consider for 2026:

Many of these markets attract buyers from more expensive neighboring areas.

Region Key Cities/Areas Why They’re Strong
Northeast Hartford, CT Buyers from expensive areas like NYC and Boston are moving in, boosting sales and prices.
Rochester, NY Limited supply and good value compared to bigger cities mean solid price gains are expected.
Worcester, MA Strong sales growth and affordability make it attractive.
Providence, RI Benefits from nearby city dwellers looking for more affordable options and has its own growing job market.
Pittsburgh, PA Very affordable with lower mortgage “lock-in” pressure, meaning more people are willing to move and sell.
NYC Suburbs (Long Island, Northern NJ, etc.) Commuter access to the city and being more affordable than Manhattan keeps demand high.
Midwest Toledo, OH Leads in expected price growth with very low starting home prices, attracting bargain hunters.
Indianapolis, IN Strong job market, affordability, and a good balance between home prices and local incomes make this a promising area.
Milwaukee, WI Affordability and job growth are drawing in buyers and investors with solid financial profiles.
Columbus, OH Solid job growth and reasonable prices relative to incomes are driving activity.
St. Louis, MO & Cleveland, OH Very low entry prices mean good potential for investors looking for positive cash flow.
Southeast & Other Richmond, VA A “quietly powerful” market with good job gains and buyers who can comfortably afford homes. Offers a nice mix of affordability and stability.
Raleigh, NC Strong income growth, a younger population (millennials), and a balance of affordability and demand.
Jacksonville, FL One of the Florida markets where both affordability and the number of homes for sale are improving, attracting people to move there.
Salt Lake City, UT Rebounding strongly, especially with its thriving tech scene and access to outdoor activities.
Spokane, WA Strong buyer interest is making this a market to watch.

Beyond Bricks and Mortar: Public Real Estate

If buying a physical property seems like too much right now, consider looking into publicly traded real estate investment trusts (REITs). These are companies that own and operate income-producing real estate. Right now, they’re trading at a discount compared to private real estate deals, which could offer some good value and diversification.

Other Investment Options for 2026: A Diverse Approach

While real estate is a significant piece of the puzzle, it's wise to think about other investments too. A well-rounded portfolio is key.

  • Stocks:
    • U.S. Stocks: Especially large companies, are expected to do well. Thanks to new technology like AI, companies are becoming more efficient, which can lead to better profits. Analysts predict double-digit earnings growth for big companies in 2026.
    • Value Stocks: These are stocks that seem to be priced lower than their actual worth. As the economy grows more broadly, these could see some nice gains.
    • Emerging Markets Stocks: Investing in countries that are still developing can offer a way to spread your risk and potentially get higher returns.
  • Commodities & Alternatives:
    • Gold: It’s a safe bet during uncertain times. People are buying it, central banks are involved, and it can protect you against inflation and global instability.
    • Copper and Aluminum: These metals are crucial for building new things like data centers, electric cars, and upgrading power grids. The supply can't keep up with the demand.
    • Natural Resources: Companies that produce natural gas or are involved in new energy technologies are well-positioned because of the growing need for power, especially with AI and electrification.
    • Digital Assets: Bitcoin and other cryptocurrencies are maturing. Some companies involved in Bitcoin mining are even turning into energy providers, which is an interesting development.
    • Infrastructure: Think about utilities, data centers, and clean energy projects. These are essential services and are likely to perform well.

Ultimately, 2026 is shaping up to be a more predictable year for real estate than the rollercoaster we’ve been on. It’s not a time for a blind “bet,” but for disciplined investors who do their homework and focus on the fundamentals. If you’re willing to be selective and think long-term, real estate can definitely be a smart part of your investment strategy.

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Port Charlotte, FL
🏠 Property: Aldridge Ave
🛏️ Beds/Baths: 3 Bed • 2 Bath • 1548 sqft
💰 Price: $339,900 | Rent: $2,195
📊 Cap Rate: 5.8% | NOI: $1,643
📅 Year Built: 2025
📐 Price/Sq Ft: $220
🏙️ Neighborhood: A+

VS

Punta Gorda, FL
🏠 Property: Oceanic Rd
🛏️ Beds/Baths: 6 Bed • 4 Bath • 3032 sqft
💰 Price: $639,900 | Rent: $4,895
📊 Cap Rate: 6.9% | NOI: $3,685
📅 Year Built: 2025
📐 Price/Sq Ft: $212
🏙️ Neighborhood: B+

Florida’s A+ affordable rental vs Punta Gorda’s larger high‑yield property. Which fits YOUR investment strategy?

We have much more inventory available than what you see on our website – Let us know about your requirement.

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Talk to a Norada investment counselor (No Obligation):

(800) 611-3060

View All Properties

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Denver Housing Market Shifts From Pandemic Frenzy to a More Balanced Phase

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The Denver housing market in December 2025 is showing signs of a market that is stabilizing and recalibrating, rather than declining, despite what headlines might suggest. The median close price for homes in the Denver Metro area has settled at $575,000, representing a slight dip of 0.86% month-over-month. While this might sound concerning, I believe it's more indicative of a market finding its footing after years of rapid price hikes, and it's crucial to look beyond the surface to understand what's truly happening.

Right now, the market is transitioning from the frenzy of the pandemic years to a more predictable, balanced state. It's easy to get caught up in the sensational headlines about a “slowdown,” but the data, especially when you dig into it, tells a more nuanced story. The Denver Metro Association of Realtors (DMAR) December 2025 Market Trends Report paints a picture of seasonal shifts and rational adjustments, not a market in distress.

Denver Housing Market Shifts From Pandemic Frenzy to a More Balanced Phase

What the December 2025 Data Tells Us

Let's break down some of the key figures from the DMAR report and what they mean for anyone thinking about buying or selling in Denver right now.

  • Median Close Price: At $575,000, this is the price point where half of the homes are selling for more and half are selling for less. The 0.86% decrease from the previous month is a small fluctuation, especially when you consider the overall increases we've seen in recent years.
  • Closed Homes: We saw 3,101 sales in December, a healthy 9.23% increase compared to the month before. This indicates that people are still buying homes. The activity picked up, which is a positive sign.
  • Sales Volume: The total value of homes sold reached a substantial $2.10 BILLION, an impressive 52.35% jump from the previous month. This shows that not only are more homes selling, but the dollar amount tied to those sales is significant, reflecting the continued value in Denver real estate.
  • Months of Inventory: This is a key metric for understanding the balance of supply and demand. We currently have 2.45 MONTHS of inventory. While this is a 36.20% decrease from the previous month, it's still a number that suggests a somewhat balanced market compared to the extreme seller's markets of the past. In simpler terms, if no new homes were listed, it would take about 2.45 months to sell all the existing homes on the market.
  • Median Days in MLS: Homes are taking, on average, 45 DAYS to sell. This is a 25.00% increase from the month before. This longer timeframe is actually a good thing for buyers. It means they have more time to consider their options, do inspections, and negotiate. It’s a return to more normal market conditions where homes don’t fly off the shelves in a matter of hours.

Understanding the Seasonal Shift

It's vital to remember that real estate is inherently seasonal. The numbers we see in November and December often reflect a predictable slowdown as the holidays approach.

  • New Listings Declining: The 41.39% drop in new listings from October to November is very similar to what we saw in the previous year. This is typical. Sellers often pull their homes off the market for the holidays, planning to relist them after the new year. This isn't a sign of people abandoning the market, but rather a normal pause.
  • Active Listings Easing: Similarly, the 15.92% decrease in active listings at the end of November closely mirrors the 14.89% decline in 2024. Again, this is part of the annual holiday pattern.

Pricing Trends: A Return to Normalcy

When we look at pricing, the month-over-month numbers show a slight dip, which is also common as we head into winter.

  • Attached Homes: Saw a 1.96% decrease in median sale price.
  • Detached Homes: Experienced a 1.47% decrease.

However, looking at these numbers in isolation can be misleading. The year-to-date picture offers better context:

  • Attached Homes are Down 3.21% Year-to-Date.
  • Detached Homes are Up a Modest 0.02% Year-to-Date.

These are small shifts. They highlight a market that is stabilizing after years of rapid appreciation. Think about it: from March 2020 to April 2022, prices in Denver surged by a whopping 38.5%! The past few years of slower growth have been a necessary correction, bringing the market back into better balance. From March 2020 to November 2025, the cumulative median price increase is now 31.5%, averaging out to about 6.3% annually. This is a far more sustainable pace than the double-digit increases we saw during the peak of the market.

My Take: Embrace the “Normal” Market

I've heard many people say the market is “slow.” From my perspective, what we're experiencing is a return to normal. After years of bidding wars, waived contingencies, and homes selling for well over asking price, a market where homes sit for 45 days (which still isn't that long, historically speaking!) and where buyers can actually negotiate is a sign of a healthy, functional market.

Amanda Snitker, Chair of the DMAR Market Trends Committee, put it perfectly: “2025 reminded us that functional markets have negotiation, reasonable timelines and modest price movements.”

Here's what I believe makes the Denver market robust right now, even if it doesn't generate dramatic headlines:

  • Increased Leverage for Buyers: More days on market and a healthier inventory give buyers more breathing room to make informed decisions.
  • Stabilized Pricing: The era of runaway price increases has passed, leading to more predictable and sustainable home values.
  • Seasonal Rhythms: The market is behaving as expected for this time of year, not succumbing to some underlying rot.

Looking Ahead to 2026

For 2026, I'm optimistic about the Denver housing market. The key will be for buyers and sellers to understand and embrace this new “normal.”

  • Buyers: If you've been waiting for a market crash, you'll likely be disappointed. The current conditions offer a great opportunity to buy without the extreme pressure of a hyper-competitive market. Be prepared to negotiate and don't be afraid to make a strong offer on a home you love.
  • Sellers: It's essential to price your home correctly from the outset. While the market may not be as frenzied as it was, well-maintained and realistically priced homes are still attracting buyers. Patience and strategic pricing will be your best allies.

The days of homes sitting on the market for months on end aren't the norm in Denver, but we're also not in the extreme territory of a few years ago. A reasonable 45 days on market is a sign of a market finding its equilibrium.

A Deeper Dive: The $1 Million+ Market

DMAR also provides insights into different market segments. The market for homes priced at $1 million or greater is fascinating. As Keri Duffy, a member of the DMAR Market Trends Committee, notes, “This segment is better insulated from mortgage rates and rising insurance costs.” Buyers and sellers in this range are often more resilient and continue to transact.

I recall a property in Cherry Hills that was listed at $20 million and eventually sold for $17 million. While headlines might scream “price drop,” looking at its sale history – it sold for $5.3 million in 2016 – highlights that even with the reduction, the seller achieved a price much closer to list price than the previous owner did in a strong 2016 market. The key takeaway here is that context is everything. Days on market and sale-to-list price ratios, even for high-end properties, often tell a more accurate story than simple price reduction figures.

The highest-priced condo sale this month was a penthouse in Cherry Creek North that sold for over $10 million, and it received multiple offers and sold above asking price. This sale, which was significantly higher than its 2020 sale price, proves that the luxury condo market is far from dead and buyers are still competing for the best properties.

Key Takeaways from the $1 Million+ Segment:

  • Continued Activity: Buyers and sellers remain engaged.
  • Resilience: This segment is less affected by broader economic shifts.
  • Context is Crucial: High-end sales histories reveal more about market dynamics than isolated price drops.

This data, while perhaps not “viral headline” material, reflects the consistent reality of Denver’s luxury market. As Keri Duffy advises, “When dramatic headlines pop up, pull the data and revisit pre-COVID history for context. Days on market often tell the story.”

In Conclusion

The Denver housing market in December 2025 is in a phase of stabilization. The “trends” we're seeing are largely seasonal adjustments and a rational return to more typical appreciation rates. For those looking to navigate this market, understanding these nuances is key. It's a market that rewards patience, realistic expectations, and a solid grasp of current data, not speculation on extremes.

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U.S. Household Real Estate Value Drops by $361 Billion From Record High

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Listen up, homeowners and aspiring buyers – the latest numbers are in, and they show a slight dip in how much our houses are worth. The total value of U.S. households' real estate has dropped by $361 billion from its peak, settling in at just over $48 trillion in the third quarter of 2025. While this might sound alarming, I want to assure you that this is a modest adjustment, and overall, our homes are still worth a whole lot more than they were just a few years ago.

As someone who's been watching the housing market for years, this kind of fluctuation isn't exactly a shocker. We've seen incredible growth in home values over the past decade, far more than doubling in many areas. So, a small dip isn't necessarily a sign of doom and gloom, but it's definitely worth understanding what's behind it.

U.S. Household Real Estate Value Drops $361B From Record High

What's Driving the Real Estate Value Drop?

The Federal Reserve's Z.1 Financial Accounts data gives us this snapshot, and it’s corroborated by insights from Realtor.com®. Senior Economist Jake Krimmel points to a small quarterly drop in the Case-Shiller Home Price Index as a key player in this decrease. Think of the Case-Shiller index as a way to track how home prices are changing over time across major cities. When it dips even a little, it can ripple out and affect the overall national value.

But it's not just one thing. Several factors are subtly nudging the market. Persistently high mortgage rates, which have been lingering in the 6%-8% range throughout 2024 and 2025, are a big one. When borrowing money to buy a house becomes more expensive, it naturally puts a damper on demand and, consequently, prices.

Beyond that, we're seeing climbing property taxes and insurance costs. These aren't always included in the purchase price, but they add to the overall cost of homeownership. For many, these rising expenses are making it a tougher pill to swallow, even if the initial purchase price seems manageable.

And then there's the inventory. For a while, there just weren’t enough homes for sale. Now, some homeowners are realizing that those historically low interest rates they locked in a few years ago are probably not coming back anytime soon. So, they’re starting to put their homes on the market, which can lead to a slight tick up in housing inventory. More homes for sale means more choice for buyers, and potentially less upward pressure on prices.

Homeowner Equity: Still Strong?

Now, let's talk about what this means for homeowners. A big concern for many is how much equity they have – the difference between what their home is worth and what they owe on their mortgage. The good news is that even with this recent dip, owners' equity in real estate remains robust. In the first quarter of 2025, homeowners' equity share was around 72%. That's a really healthy number and acts as a significant cushion. It means most people still have a substantial amount of money tied up in their homes that they truly “own.” This strong equity position is a major reason why most experts don't see a repeat of the 2008 housing crash on the horizon.

What Does the Future Hold?

Looking ahead, Realtor.com® forecasts a 2.2% annual home price gain for 2026. That's a bit higher than the estimated 2% increase in 2025. However, and this is where things get a touch more nuanced, the forecast also suggests that inflation might outpace these price gains. This means that in “real” terms – adjusted for inflation – homeowners might see a slight decline in their home's purchasing power.

Krimmel puts it this way: “We forecast 2.2% home price gains but the homeownership rate to tick slightly down. In total, real estate values will be steady in 2026, but at the local level home values often diverge from national trends.”

This last part is crucial. National averages can be misleading. Some areas, especially those that saw massive price surges during the pandemic – think parts of coastal Florida or Austin, Texas – are experiencing a more notable softening in their home values. Conversely, other markets might continue to see modest growth. It really emphasizes the importance of looking at your specific local market rather than just the big picture.

A Mixed Bag for Buyers and Sellers

For potential buyers, this cooling market could offer a slightly better environment. We’re expecting existing home sales to grow about 1.7% to 4.13 million units. Combined with that potential increase in inventory, buyers might find more options and a bit more room to negotiate. However, those persistent high mortgage rates will still be a factor.

For sellers, it means the days of receiving multiple offers above asking price within hours of listing might be less common, at least for now. It’s a return to a more balanced market, where thoughtful pricing and good presentation are key.

Debt vs. Equity: A Balancing Act

It's also worth noting the other side of the financial coin: debt. In the third quarter of 2025, household debt increased by 4.1%, a slight uptick from the previous quarter. Mortgage debt specifically saw a notable $108 billion spike. This increase in debt, while potentially concerning, is happening alongside strong homeowner equity. It’s a complex financial equation, but the overall picture suggests homeowners are generally in a solid position, even with these subtle shifts.

Overall, the U.S. household real estate market is demonstrating resilience. While we've seen a small retreat from peak values, it's more of a gentle recalibration than a harsh correction. Understanding the underlying causes and looking at local market dynamics will be key for anyone navigating this ever-evolving space.

🏡 2 Amazing Properties Available for Investors

Port Charlotte, FL
🏠 Property: Aldridge Ave
🛏️ Beds/Baths: 3 Bed • 2 Bath • 1548 sqft
💰 Price: $339,900 | Rent: $2,195
📊 Cap Rate: 5.8% | NOI: $1,643
📅 Year Built: 2025
📐 Price/Sq Ft: $220
🏙️ Neighborhood: A+

VS

Punta Gorda, FL
🏠 Property: Oceanic Rd
🛏️ Beds/Baths: 6 Bed • 4 Bath • 3032 sqft
💰 Price: $639,900 | Rent: $4,895
📊 Cap Rate: 6.9% | NOI: $3,685
📅 Year Built: 2025
📐 Price/Sq Ft: $212
🏙️ Neighborhood: B+

Florida’s A+ affordable rental vs Punta Gorda’s larger high‑yield property. Which fits YOUR investment strategy?

We have much more inventory available than what you see on our website – Let us know about your requirement.

📈 Choose Your Winner & Contact Us Today!

Talk to a Norada investment counselor (No Obligation):

(800) 611-3060

View All Properties

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Mortgage Rates Today, Jan 14: 30-Year Refinance Rate Drops by 18 Basis Points

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The mortgage rates today, Jan 14, have seen a significant drop, with the 30-year fixed refinance rate plunging by 18 basis points. This means that for many, a golden opportunity to lower their monthly payments has just opened up. According to Zillow, the national average for a 30-year fixed refinance rate has fallen from last week's average of 6.51% down to 6.33% as of Wednesday. This isn't just a small blip; it's a notable shift that could put real dollars back into your pocket.

Mortgage Rates Today, Jan 14: 30-Year Refinance Rate Drops by 18 Basis Points

What Exactly Does a 18 Basis Point Drop Mean for You?

You might be wondering what a “basis point” even is, and more importantly, what this 18 basis point drop actually translates to in terms of real savings. Think of it this way: a basis point is one-hundredth of a percentage point. So, an 18 basis point drop means the interest rate on your mortgage has decreased by 0.18%.

Let's break it down with an example. Imagine you have a mortgage balance of $300,000.

  • At 6.51% interest, your monthly principal and interest payment would be approximately $1,895.
  • At the new rate of 6.33% interest, your monthly principal and interest payment drops to about $1,864.

While $31 per month might not sound enormous at first glance, over the life of a 30-year mortgage, that adds up. Over 30 years (360 payments), that’s a saving of over $11,000! This is why even small rate drops can be incredibly impactful, especially for those with larger loan amounts. It's not just about saving a few dollars a month; it's about significantly reducing the total interest paid over the coming years.

A Deeper Dive into Today's Mortgage Rate Movements

The 30-year fixed refinance rate isn't the only area seeing positive movement. Zillow also reported that the 15-year fixed refinance rate saw a decrease of 12 basis points, moving from 5.50% down to 5.38%. This is excellent news for those looking to pay off their mortgage faster and reduce their overall interest costs.

And for those considering adjustable-rate mortgages (ARMs), the 5-year ARM refinance rate is currently holding steady at 7.27%. While ARMs can offer lower initial rates, it's crucial to understand their structure and potential for future increases.

Here’s a quick look at the current refinance rates:

Loan Type Rate (Today, Jan 14) Rate (Previous Week) Change (Basis Points)
30-Year Fixed Refi 6.33% 6.51% -18
15-Year Fixed Refi 5.38% 5.50% -12
5-Year ARM Refi 7.27% N/A N/A

Data provided by Zillow.

The Refinance Strategy: 30-Year Fixed vs. 15-Year Fixed

Choosing between a 30-year and a 15-year fixed refinance is a critical decision, and it really depends on your personal financial goals and current situation. In my experience, there’s no one-size-fits-all answer, but understanding the trade-offs is key.

The 30-Year Fixed Refinance:

  • Pros: Lower monthly payments. This is the biggest draw. By spreading your loan over a longer term, you reduce the immediate financial burden, freeing up cash flow for other expenses, savings, or investments. This is especially beneficial if you're looking to consolidate debt or if your income fluctuates.
  • Cons: You’ll pay significantly more in interest over the life of the loan compared to a 15-year term. The total cost of your home will be higher.

The 15-Year Fixed Refinance:

  • Pros: Substantially lower interest rate and you’ll pay off your mortgage much faster (in half the time!). This means you'll build equity in your home quicker and pay considerably less in total interest.
  • Cons: Monthly payments will be higher. You need to ensure your budget can comfortably accommodate these larger payments.

My take? If the current 15-year fixed rate (5.38%) is well within your budget with room to spare, and you’re focused on long-term savings and paying off your home sooner, that’s often the mathematically superior choice. However, if your priority is to lower your monthly expenses and improve your immediate cash flow, while still securing a much better rate than you might have had last year, the 30-year fixed option at 6.33% is a fantastic move. It’s about finding the balance that works for your financial life right now.

Mortgage Refinance Market Demand: A Surge in Activity

This recent drop in rates hasn’t gone unnoticed by the market. We're seeing a clear shift from a typical holiday slowdown into a period of heightened activity. The news that the administration would order mortgage giants to purchase billions in mortgage-backed bonds has acted as a significant catalyst.

  • Surge in Applications: Refinance applications jumped by an impressive 40% last week. This is a direct response to the falling rates and the positive sentiment they’ve generated.
  • Annual Growth: The demand for refinancing is currently 128% higher than in the same week last year. This indicates that many homeowners who secured loans at rates above 7% in the past year are now finding a viable “refinance window” to reduce their payments. It’s a smart move to capitalize on favorable market conditions.
  • Larger Loan Focus: Interestingly, it appears that borrowers with larger loan sizes have been the most responsive to these rate drops. They’re leading the spike in application volume, likely because the savings on larger mortgages are more substantial and immediately apparent.

The 2026 Outlook and Forecast: What's Next for Rates?

Looking ahead, the mortgage market is expected to remain dynamic. While some experts predict that rates could dip as low as 5.5% if a recessionary environment takes hold, the consensus among major authorities like the Mortgage Bankers Association (MBA) and Fannie Mae points to a more moderate outlook.

  • Moderate Volatility: For the remainder of 2026, the general expectation is that 30-year fixed mortgage rates will average between 5.9% and 6.4%. This means that while there might be ups and downs, the current attractive rate of 6.33% is likely to be a competitive offering for much of the year.
  • Ongoing Refi Trend: Analysts are predicting a healthy 30% annual increase in total refinance volume for 2026. Based on current data, approximately 20% of all mortgaged homeowners still hold rates above 6%, meaning there’s a significant pool of borrowers who stand to benefit from refinancing.
  • Shift to Home Equity: For the vast majority of Americans who secured mortgages during the pandemic at rates below 5% (roughly 70%), the demand isn't for traditional refinancing. Instead, their focus is shifting towards Home Equity Lines of Credit (HELOCs) and home equity loans. This allows them to tap into the substantial equity they've built in their homes without touching their low-interest primary mortgages.

This is a fascinating development. It shows how different segments of the homeowner population are strategizing based on their unique situations. Those with high rates are rushing to refinance, while those with low rates are looking to leverage their home's value for other financial needs.

In Conclusion:

The mortgage rates today, Jan 14, present a compelling opportunity for many homeowners to refinance. The significant drop in the 30-year refinance rate to 6.33% marks a favorable shift in the market. Whether you're looking to lower your monthly payments with a 30-year term or pay off your home faster with a 15-year term, now is an excellent time to explore your options and potentially save thousands over the life of your loan. Don't miss out on this chance to make your mortgage work better for you!

🏡 2 Beautiful Properties Available for Investors

Port Charlotte, FL
🏠 Property: Dorion St
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📅 Year Built: 2023
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and

Kansas City, MO
🏠 Property: E 110th Terrace
🛏️ Beds/Baths: 3 Bed • 2 Bath • 1002 sqft
💰 Price: $220,000 | Rent: $1,700
📊 Cap Rate: 6.9% | NOI: $1,273
📅 Year Built: 1957
📐 Price/Sq Ft: $220
🏙️ Neighborhood: A-

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We have much more inventory available than what you see on our website – Let us know about your requirement.

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Talk to a Norada investment counselor (No Obligation):

(800) 611-3060

View All Properties 

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Market forecasts suggest steady demand, making turnkey real estate one of the most reliable paths to passive income and wealth creation.

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Today’s Mortgage Rates, Jan 13: Rates Dip Below 6%, Boosting Buying Power of Buyers

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If you're looking to buy a home or refinance, today, January 13, 2026, is a good day because mortgage rates have taken a welcome dip, with the most popular 30-year fixed rate now sitting comfortably below the 6% mark. This is a significant shift, and one that many potential homeowners have eagerly awaited.

It feels like just yesterday we were talking about rates hovering stubbornly above 6%, and frankly, it was a bit discouraging for anyone dreaming of homeownership. But here we are, and the news is music to many ears. The latest data shows a noticeable decrease compared to last week, and this downward trend is fueling optimism in the housing market. For the first time in what feels like a long time, that major hurdle of a 6% rate is behind us.

Today’s Mortgage Rates, Jan 13: Rates Dip Below 6%, Boosting Buying Power of Buyers

A Snapshot of Today's Mortgage Rates

Let's get straight to the numbers. Here are the national average rates for home purchases as of Tuesday, January 13, 2026, according to Zillow:

Loan Type Current Rate
30-Year Fixed 5.86%
20-Year Fixed 5.73%
15-Year Fixed 5.28%
10-Year Fixed 4.875%
30-Year VA 5.52%
15-Year VA 5.01%
5/1 ARM 6.15%
7/1 ARM 6.12%
5/1 VA ARM 5.28%

As you can see, the 30-year fixed-rate mortgage, the go-to for many families, is now at 5.86%. This is a pretty big deal.

What This Means: A Look at the Weekly Changes

The most exciting part is how we got here. Both of the most popular fixed-rate loan options have seen a drop in interest rates compared to just a week ago.

  • 30-Year Fixed: This rate has fallen to 5.86%, down from 6.04% on January 6th. That's a decrease of 0.18% – not huge in isolation, but significant when you consider the big picture and the psychological barrier it crosses.
  • 15-Year Fixed: This option has also seen a decrease, moving from 5.41% on January 6th to 5.28% today. That’s a drop of 0.13%.

This positive movement isn't happening in a vacuum. It's largely a response to government initiatives aimed at making buying a home more affordable and boosting the purchase of mortgage bonds. When the government steps in to encourage more buying of these bonds, it can have a ripple effect, often leading to lower interest rates for everyday borrowers like you and me.

Digging Deeper: The Top Mortgage Terms

Let's break down the most popular loan types a bit further:

1. The 30-Year Fixed-Rate Mortgage: Your Long-Term Friend

  • Today's Rate: 5.86%
  • Weekly Change: Down by 0.18% (from 6.04% on Jan. 6).
  • Why it's popular: This is the workhorse of the mortgage world. The biggest draw is the predictability. Your monthly payment for principal and interest stays the same for the entire 30 years. This stability is incredibly valuable for budgeting and long-term financial planning.
  • My Take: This drop below 6% is monumental. Zillow economists had been predicting rates would stick above 6% for a good chunk of 2026. The fact that these recent government actions have accelerated this downward trend suggests a potentially faster path to affordability than many anticipated. It's a clear signal that the market is responding positively.

2. The 15-Year Fixed-Rate Mortgage: Save More, Pay More Monthly

  • Today's Rate: 5.28%
  • Weekly Change: Down by 0.13% (from 5.41% on Jan. 6).
  • The trade-off: You get a lower interest rate with a 15-year mortgage, meaning you'll pay significantly less interest over the life of the loan. The catch? Your monthly payments will be higher because you're paying off the same amount of debt in half the time.
  • My Take: For those who can comfortably manage the higher monthly payments, the 15-year fixed is a fantastic way to build equity faster and save a bundle on interest. The fact that these rates are now nearly 0.70% lower than they were at the start of 2025 is a huge incentive. It makes the dream of being mortgage-free in 15 years much more attainable.

3. The 5/1 Adjustable-Rate Mortgage (ARM): A Shorter-Term Bet

  • Today's Rate: 6.15%
  • Weekly Change: Up by 0.12% (from 6.03% on Jan. 6).
  • What it is: This mortgage has a fixed interest rate for the first five years. After that, the rate can go up or down each year based on market conditions.
  • Why it's odd: Usually, ARMs offer a lower introductory rate to entice borrowers. However, with fixed rates falling so sharply, the traditional “discount” that ARMs provided has all but disappeared. In fact, the rate is actually higher than the 30-year fixed rate right now. This makes them a less appealing choice for most people seeking long-term stability.
  • My Take: It’s a bit counterintuitive to see an ARM rate tick up when fixed rates are falling. This situation highlights how dynamic the market is. For most buyers right now, the security and predictability of a fixed-rate mortgage, especially with rates below 6%, are far more attractive than the potential unknown of an ARM. Unless you have a very specific short-term plan and are comfortable with risk, the fixed options are the way to go.

Key Market Takeaway: A Year of Wins for Buyers?

Looking at these numbers, I'm feeling pretty optimistic for homebuyers in the first half of 2026. We're seeing a dual benefit: mortgage rates are coming down, and incomes are showing signs of growth. This combination is improving affordability, which has been a major pain point for so many. It feels like a genuine “year of small wins” is unfolding for those looking to purchase their first home or upgrade.

Rates Vary by State: A Glimpse at Local Differences

While these are national averages, it's important to remember that rates can differ slightly from state to state. Here’s a look at how Zillow 30-year fixed mortgage rates looked for a few selected states on January 12, 2026:

State 30-Year Fixed Rate Date Updated
Arizona 5.875% Jan 12, 2026
California 5.875% Jan 12, 2026
Massachusetts 5.875% Jan 12, 2026
Minnesota 5.875% Jan 12, 2026
Ohio 5.875% Jan 12, 2026
South Carolina 5.875% Jan 12, 2026
Washington 5.875% Jan 12, 2026

It's interesting to note that for these specific states on January 12th, the rate was listed as 5.875%, very close to the national average of 5.86%. This suggests a pretty consistent market across these regions currently.

Broader Trends Shaping 2026 Mortgages

  • The 6% Milestone: As I’ve emphasized, the average 30-year fixed rate dipping below 6% in early January 2026 is a landmark event after years of higher rates. This is the main headline.
  • Refinancing vs. Purchasing: While rates for purchasing a home are looking good, it’s worth noting that 30-year refinance rates were still a bit higher, averaging around 6.39% as of January 9, 2026. This implies the market is prioritizing new buyers or there are different factors at play for those looking to change their existing loan.
  • Government-Backed Loans: For those who qualify, FHA and VA loans are offering even better rates. These typically come in lower than conventional loans, with 30-year fixed options around 5.625%. These are excellent programs designed to help specific groups of borrowers.
  • The Year Ahead: What does the future hold? Most experts, including groups like the Mortgage Bankers Association and Fannie Mae, predict that rates will likely fluctuate between 5.9% and 6.4% for the rest of 2026. So, while today is a great day, it's wise to be prepared for some ups and downs. The current dip is a welcome bonus, not necessarily a guarantee of an endless downward spiral.

Final Thoughts

If you've been waiting on the sidelines, hoping for a better rate, now might be the time to seriously explore your options. The fact that the 30-year fixed rate has broken below the 6% barrier is a significant positive development. Remember to shop around with different lenders, as rates can vary, and to consider what loan term best suits your financial goals. Good luck with your homeownership journey!

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🏠 Property: Oceanic Rd
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📊 Cap Rate: 6.9% | NOI: $3,685
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View All Properties 

Texas Housing Market Bucks the Trend With a Surprising Surge in Sales

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The Texas housing market is proving remarkably resilient, bucking the usual autumnal slowdown with a notable surge in home sales in both September and October. Despite rising interest rates, this unexpected upward trend indicates a robust demand and a dynamic market that’s holding strong.

It’s a bit surprising, isn't it? Typically, as the leaves start to turn and the weather gets a little cooler, home sales tend to wind down. But here in Texas, we're seeing something quite different this year. As the Texas Real Estate Research Center at Texas A&M University reported in their October 2024 Texas Housing Insight, home sales have actually increased in both September and October, going against the usual summer peak followed by an autumn dip. I’ve been following the Texas real estate scene for a while now, and this kind of resilience is definitely noteworthy. It tells me that the underlying desire to own a home in Texas is incredibly strong, even when some economic indicators might suggest otherwise.

Texas Housing Market Bucks the Trend With a Surprising Surge in Sales

Sales Take Flight When They Should Be Settling Down

Looking at the numbers, it’s clear that things are heating up, not cooling off. Total home sales saw an impressive 8.8% increase month-over-month, reaching 28,859 units sold in October (based on seasonally adjusted data). This is a welcome trend, especially considering the usual pattern where the last few months of the year see fewer transactions.

It’s not just a statewide phenomenon either. Several of our major metropolitan areas are contributing to this surge:

  • San Antonio is leading the pack with a phenomenal 16.8% jump in sales, moving 2,906 homes.
  • Houston is right behind, clocking in an 12.1% increase and selling 8,066 homes.
  • Austin also saw a healthy 7.0% rise in sales, with 2,488 units changing hands.

The only outlier among the “Big Four” is Dallas-Fort Worth-Arlington, which experienced a slight dip of 1.0% in sales, selling 7,432 homes. While this might seem like a negative, considering the overall upward trend, it’s a relatively small decrease. To me, this suggests that while demand is strong across the state, localized factors or even just statistical fluctuations can cause minor variations.

I remember when buying a home felt like a race against the clock, with inventory scarce. Now, seeing sales rise alongside new listings is a sign of a more balanced, albeit still active, market.

Inventory Grows, Buyers Have More Choices

One of the most significant factors contributing to a healthy housing market is the availability of homes. And the good news continues here! The rate of new listings is still on the rise, meaning buyers are finding more options. This trend has been steady since July, and October saw that momentum carry forward.

  • Houston saw new listings increase by an impressive 10.3%.
  • San Antonio has been on a near-vertical climb with new listings, showing an 8.6% increase.
  • Dallas also experienced a solid 7.3% bump in new listings.
  • Austin rounded out the Big Four with a 5.0% rise in new listings.

This increase in new homes hitting the market is directly contributing to rising inventory levels. The state’s total number of active listings went up by 2% in October, reaching 124,663. While Houston and Dallas saw the most significant increases in active listings, Austin experienced a slight dip, and San Antonio remained stable.

What does this mean for buyers? It means that while the market is still competitive, the days of facing a dozen offers within hours of a listing hitting the market might be easing up in some areas. The average time a home spent on the market across Texas, known as days on market (DOM), actually fell to 61 days in October, a two-day drop. Houston saw the biggest drop in DOM, falling from 53 to 50 days, and Austin and San Antonio also saw slight decreases. Dallas, however, was the exception, with DOM increasing slightly from 54 to 56 days. This suggests that while homes are still selling relatively quickly, the pressure cooker environment might be slightly less intense.

However, it's interesting to note that statewide pending listings decreased slightly by 1.7%. This could indicate that while more homes are being listed and sold, the number of agreements to buy homes that are still working their way through the closing process dipped a bit. Dallas and Austin saw increases in pending listings, while Houston saw a slight rise and San Antonio a small dip. This subtle shift might be worth monitoring.

Mortgage Rates Take a Breath, Then Rise

Now, about interest rates. This is always a big conversation starter in real estate. We saw mortgage rates increase in October for the first time since spring 2024. The average 30-year fixed-rate mortgage climbed to 6.43%. This is a notable shift because it happened even as the federal funds rate continued to drop.

  • October 2024 Mortgage Rate: 6.43%
  • Previous Increase: Spring 2024

For anyone looking to buy, this rise in interest rates can impact affordability. However, it's crucial to remember that rates are still historically low compared to many previous decades. My own experience tells me that buyers who were on the fence might be reevaluating their budgets, but those who are determined to buy will likely adjust their search parameters or down payment strategies rather than abandoning their plans entirely, especially given the strength in sales.

New Home Construction Stays Strong

It's not just existing homes that are seeing activity. The construction sector is also buzzing. Statewide, building permits saw a modest 0.9% increase in October. Most of the major cities experienced an upward trend in permits, with Austin leading the charge at 17.7%, followed by San Antonio at 7.6% and Houston at 1.6%. Dallas was the only major city to see a decrease.

More significantly, seasonally adjusted statewide single-family housing starts surged by a strong 8.7% month-over-month, reaching 14,332 units. San Antonio and Dallas showed particularly impressive growth in housing starts, with San Antonio up 30.3% and Dallas up 25.6%.

The total value of single-family starts in Texas also saw a substantial increase, climbing from $25.4 billion in October 2023 to $32.07 billion in October 2024. Houston accounted for a significant portion of this value, followed by Dallas. This robust activity in new home construction is a very positive sign, indicating confidence in the long-term demand for housing in Texas and providing more options for homebuyers.

Home Prices Hold Steady

After all this talk of rising sales and activity, you might expect home prices to be skyrocketing. However, the data shows that Texas' median home price remained remarkably steady in October, holding at $335,773.

Here's a breakdown of median prices for the Big Four:

City/Region September Median Price October Median Price Month-over-Month Change
Dallas-Fort Worth $393,340 $404,995 +3.0%
Austin-Round Rock $430,304 $437,835 +1.8%
San Antonio-New Brauns $305,599 $306,624 +0.3%
Texas (Statewide) $335,516 $335,773 +0.1%
Houston-Pasadena $338,154 $337,852 -0.1%

While statewide prices were flat, Dallas and Austin saw notable price growth. San Antonio experienced a slight increase, while Houston saw a very minor dip. Even with the slight increase in mortgage rates and the strong sales activity, home prices haven't significantly outpaced incomes, which is a good sign for market stability.

The Texas Repeat Sales Home Price Index, which gives a more precise look at price changes, actually fell 0.3% month-over-month but was still up 1.6% year-over-year. Austin, in particular, saw its annual appreciation dip below the state average. This suggests that while markets like Dallas and Austin might be seeing some price appreciation due to high demand and limited inventory in specific segments, the overall market is well-balanced enough to keep prices from running away.

This resilience in home prices, coupled with increasing sales and inventory, paints a picture of a healthy and mature Texas housing market. It's not a market driven by speculative bubbles, but by genuine demand and a growing population that wants to call Texas home. As a seasoned observer of this market, I find this stability incredibly encouraging. It means that even with the usual economic ebbs and flows, Texas is poised for continued growth in its real estate sector.

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Mortgage Rates Today, Jan 13: 30-Year Refinance Rate Drops by 8 Basis Points

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Today, the average rate for a 30-year fixed refinance has dipped by a noticeable 8 basis points, settling at 6.43%, according to Zillow. This downward tick, while seemingly small, can translate into significant savings for many looking to adjust their home loans. This recent drop, especially the 8-basis-point decrease in the 30-year fixed refinance rate, is a breath of fresh air. It signals a potential shift, and for those who’ve been waiting on the sidelines, it might just be the nudge they need.

Mortgage Rates Today, Jan 13: 30-Year Refinance Rate Drops by 8 Basis Points

What's Driving This Rate Drop?

You might be wondering what caused this change. It's not just random chance; there are real economic forces at play.

One major factor came directly from President Trump's directive on January 12, 2026, where the federal government committed to purchasing $200 billion in mortgage bonds. This is a significant move. When the government buys more mortgage bonds, it increases demand for them. Think of it like this: more demand for something usually means its “price” (in this case, the interest rate) goes down. This action is a clear indication of an effort to stimulate the housing market and, as we're seeing, it's having an immediate impact.

This injection into the bond market led to benchmark 30-year fixed rates falling below 6% for the first time since September 2022. That's a pretty big deal and a psychological milestone for both buyers and refinancers.

The Impact on Refinance Applications

With rates declining, the effect on refinance activity has been nothing short of dramatic. Zillow’s data points to a surge in refinance applications, up over 108% compared to early 2025. This isn't surprising at all. If you secured a mortgage when rates were higher, say 7% or 8%, and you now have the opportunity to refinance into a lower rate like the current 6.43%, it’s a no-brainer. This allows homeowners to potentially lower their monthly payments, reduce the total interest paid over the life of the loan, or even tap into some home equity if needed. I always advise my clients to run the numbers; even a small drop can add up over 30 years.

A Look at Other Refinance Rates

While the 30-year fixed refinance rate is grabbing headlines with its drop, it’s also important to see what’s happening with other loan types.

  • The 15-year fixed refinance rate has seen a slight increase, up 4 basis points from 5.43% to 5.47%. This shorter-term loan is still a very attractive option for those who can manage a higher monthly payment and want to pay off their mortgage faster and save on interest.
  • The 5-year Adjustable-Rate Mortgage (ARM) refinance rate has experienced a more significant jump, up 7 basis points from 7.21% to 7.28%. ARMs can be appealing with their lower initial rates, but as this increase shows, they come with the risk of future rate hikes.

Here’s a quick snapshot of how things stand today:

Loan Type Current Average Rate Change from Previous Week Commentary
30-Year Fixed Refi 6.43% -8 basis points Significant drop, offering substantial savings potential.
15-Year Fixed Refi 5.47% +4 basis points Still attractive, with a faster payoff timeline.
5-Year ARM Refi 7.28% +7 basis points Initial lower rates, but higher risk of future increases.

What Does This 8 Basis Point Drop Mean for You?

An 8-basis-point drop might sound like pocket change, but let’s break down what it could mean in real dollars for someone looking to refinance. For every $100,000 borrowed, a decrease of 0.08% on a 30-year fixed mortgage can save you approximately $6-$7 per month. Over the course of a typical loan, this can add up to thousands of dollars in savings.

For example, if you have a $300,000 mortgage:

  • At 6.51% (last week's average), your principal and interest payment would be around $1,680.
  • At 6.43% (today's average), your principal and interest payment would be around $1,659.

That’s a saving of $21 per month, which adds up to an impressive $7,560 over 30 years! It’s why I always encourage people to seriously consider refinancing when rates move favorably, even by seemingly small increments.

30-Year Fixed vs. 15-Year Fixed: Which to Choose?

With the 30-year fixed rate dipping and the 15-year fixed rate nudging up slightly, the decision between the two becomes even more relevant.

  • 30-Year Fixed Mortgage:
    • Pros: Lower monthly payments, providing more financial flexibility each month. This is ideal if you need to free up cash flow or are managing a tighter budget.
    • Cons: You'll pay more interest over the life of the loan because you're borrowing for a longer period.
  • 15-Year Fixed Mortgage:
    • Pros: Lower overall interest paid, and you'll own your home outright much faster. The interest rates are typically lower than those for 30-year loans, and we're seeing that hold true.
    • Cons: Higher monthly payments, which might not be feasible for everyone.

Your choice really depends on your current financial situation, your long-term goals, and your comfort level with monthly payments versus total interest paid.

Major Market Drivers and the Federal Reserve

Beyond the President’s directive, other factors are influencing mortgage rates. The Federal Reserve Funds rate is currently in the 3.75% to 4.00% range. This is a result of three consecutive cuts made late last year. The Fed’s actions are a key indicator of the broader economic climate. When the Fed lowers its target rate, it generally signals a move towards easier monetary policy, which can encourage borrowing and stimulate the economy. Mortgage rates often, though not always directly, follow the direction indicated by the Fed.

Looking Ahead: What's in Store for 2026?

While today’s news is certainly positive for homeowners and potential buyers, the crystal ball for the rest of 2026 isn't entirely clear. Industry experts have varying opinions:

  • Stability Expected: Organizations like the Mortgage Bankers Association (MBA) and Fannie Mae are generally forecasting that 30-year fixed rates will likely hover around the 6.0% to 6.4% range for much of the year. This suggests that the recent drops might stabilize, offering a relatively predictable borrowing environment.
  • Potential for Further Dips: However, some analysts believe rates could eventually fall further, potentially reaching 5.5%, especially if the economy heads into a recession. Conversely, persistent inflation, even at a projected 2.7%, remains a significant factor that could put upward pressure on rates, preventing them from dropping too low.

My own take is that while we might see some fluctuations, the overall trend seems to be heading towards a more stable, and hopefully lower, rate environment than we've experienced in the recent past. The key will be watching inflation data and any future moves by the Federal Reserve.

For now, if you’re considering refinancing or buying, today’s dip in mortgage rates is a compelling reason to explore your options. It’s always wise to get personalized quotes and discuss your situation with a trusted mortgage professional to make the best decision for your financial future.

🏡 2 Beautiful Properties Available for Investors

Port Charlotte, FL
🏠 Property: Dorion St
🛏️ Beds/Baths: 4 Bed • 4 Bath • 2086 sqft
💰 Price: $412,400 | Rent: $3,190
📊 Cap Rate: 6.2% | NOI: $2,124
📅 Year Built: 2023
📐 Price/Sq Ft: $198
🏙️ Neighborhood: A+

and

Kansas City, MO
🏠 Property: E 110th Terrace
🛏️ Beds/Baths: 3 Bed • 2 Bath • 1002 sqft
💰 Price: $220,000 | Rent: $1,700
📊 Cap Rate: 6.9% | NOI: $1,273
📅 Year Built: 1957
📐 Price/Sq Ft: $220
🏙️ Neighborhood: A-

Florida’s modern build with strong cash flow vs Missouri’s affordable rental with higher cap rate. Which fits YOUR investment strategy?

We have much more inventory available than what you see on our website – Let us know about your requirement.

📈 Choose Your Winner & Contact Us Today!

Talk to a Norada investment counselor (No Obligation):

(800) 611-3060

View All Properties 

Invest Smart — Build Long-Term Wealth Through Turnkey Real Estate in 2026

Market forecasts suggest steady demand, making turnkey real estate one of the most reliable paths to passive income and wealth creation.

Norada Real Estate helps investors capitalize on these trends with turnkey rental properties designed for appreciation and consistent cash flow—so you can grow wealth securely while others wait for clarity in the market.

🔥 HOT 2026 INVESTMENT LISTINGS JUST ADDED! 🔥
Talk to a Norada investment counselor today (No Obligation):
(800) 611-3060

Get Started Now

Today’s Mortgage Rates, Jan 12: 30-Year Fixed Loan Rate Persists Below 6%

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As of January 12, 2026, mortgage rates, according to Zillow, have seen a gentle dip. The most popular choice, the 30-year fixed-rate mortgage, now sits around 5.91%, a slight decrease from the previous week. This movement suggests a more favorable environment for homebuyers and those looking to refinance. The headline takeaway is that mortgage rates saw a modest decrease this week, with the 30-year fixed falling below 6%.

Today’s Mortgage Rates, Jan 12: 30-Year Fixed Loan Rate Persists Below 6%

Key Takeaways from Today's Rate Snapshot:

  • Good News for Fixed-Rate Borrowers: Both the 30-year and 15-year fixed-rate mortgages have seen a decrease in their average rates compared to last week.
  • The 30-Year Fixed Continues to Reign: This loan type remains the go-to for most homeowners due to its predictable, lower monthly payments.
  • Shorter Terms Offer Savings: While the monthly payment is higher, the 15-year fixed rate presents a clear path to paying off your home faster and saving on interest over the life of the loan.
  • ARMs are a Bit of a Gamble Right Now: With current fixed rates being quite competitive, adjustable-rate mortgages aren't the automatic savings they used to be.

Breaking Down Current Mortgage Rates

It’s helpful to see the numbers laid out clearly, so you can compare them. Zillow's data for January 12, 2026, gives us a solid picture of the current national average rates for various loan types. Please keep in mind these are averages, and your individual rate will depend on your credit score, down payment, and other financial factors.

Loan Type Average Rate (%)
30-Year Fixed 5.91
20-Year Fixed 5.83
15-Year Fixed 5.36
10-Year Fixed 5.50
30-Year FHA 6.12
30-Year VA 5.57
5/1 ARM 6.17
7/1 ARM 6.36

Weekly Rate Comparison:

  • 30-Year Fixed: Saw a drop of about 15 basis points from last week, moving from roughly 6.06% down to 5.91%.
  • 15-Year Fixed: Also decreased by approximately 14 basis points, from around 5.50% to 5.36%.

Deeper Dive: Why Are Rates Moving?

It's easy to just look at the numbers, but understanding why they're moving is crucial. The recent dip in mortgage rates, especially for those long-term fixed loans, isn't just random. Economists are pointing to two main drivers: proposed housing initiatives and labor market data.

The government is clearly trying to make housing more accessible, and these proposals often signal to the market that efforts are being made to stabilize or even lower borrowing costs. On the other hand, how many jobs are being created or lost, and how wages are changing, directly impacts inflation concerns. When the labor market cools down a bit (meaning fewer job openings or slower wage growth), it often signals to the Federal Reserve that inflation might not be as big of a worry, which can lead to lower interest rates across the board, including mortgages.

The Reign of the 30-Year Fixed: Still King

The 30-year fixed-rate mortgage at 5.91% on January 12, 2026, is still the undisputed champion for a reason. Its magic lies in spreading the loan repayment over 360 months. This amortization schedule results in a lower monthly payment compared to shorter-term loans, making it more manageable for most household budgets. This predictability is a huge comfort, allowing homeowners to plan their finances without the worry of their monthly housing cost jumping up unexpectedly.

While today's rates have dipped below 6%, the outlook for much of 2026 suggests we might see them hover around or slightly above that mark. Persistent inflation worries are a significant factor here. However, economists are cautiously optimistic that by the end of the year, we might see a return to rates closer to the 5.9% range. This suggests a period of relative stability, with potential for further moderation as the year progresses.

The 15-Year Fixed: A Fast Track to Equity

At 5.36%, the 15-year fixed-rate mortgage is a fantastic option for those who can handle a higher monthly payment. The trade-off, however, is substantial. You're essentially paying off your mortgage in half the time compared to a 30-year loan. This means you'll pay significantly less interest over the entire life of the loan and build equity in your home much faster.

Right now, the difference (or “spread”) between the 15-year and 30-year rates is about 55 basis points. This wider gap makes the 15-year term even more attractive for buyers who prioritize building wealth through homeownership quickly. If you have a stable income and plan to stay in your home for a long time, the 15-year fixed can be a financially powerful choice.

Adjustable-Rate Mortgages (ARMs): A Different Ballgame in 2026

The 5/1 ARM is currently at 6.17%. Historically, the main appeal of an ARM was its lower initial interest rate compared to a fixed-rate mortgage. This allowed borrowers to save money in the first few years of their loan. However, in today's market of early 2026, many of the fixed rates are actually starting lower than these introductory ARM rates.

This “inverted” relationship is quite unusual. It means that unless you have a very specific plan – like knowing you'll sell your home or refinance before that five-year fixed period is up – an ARM might not be the cost-saver you expect. If interest rates rise significantly after the initial period, your monthly payments could become much higher and unpredictable. For most people, the security of a fixed rate at these current levels is likely more appealing.

Market Context: A “Year of Small Wins” for Homebuyers

The housing economists are framing 2026 as a “year of small wins” for homebuyers. This is largely due to the ongoing efforts to improve housing affordability. The new housing reform proposals are designed to encourage more building and make homes more accessible. While dramatic price drops aren't expected, the hope is that a combination of stabilizing home prices and income growth finally catching up will gradually bring affordability back to more typical levels.

While credit for refinance rates is not given in the prompt, it is worth mentioning that Zillow's refinance rates for a 30-year term are averaging 6.29%. This indicates that while rates have dipped for new purchases, refinancing might still be a higher hurdle for some, though the current dip could make it more attractive than it was a week prior.

State-by-State Variations: Small Differences, Big Implications

While national averages are a great starting point, mortgage rates can vary slightly from state to state. As of January 12, 2026, Zillow shows some states like California, Indiana, Kentucky, North Carolina, and Texas clustering around a slightly lower average of 5.875% for a 30-year fixed, while New York is a bit higher at 6.25%.

State 30‑Year Fixed Mortgage Rate Notes
California 5.875% Slightly lower than national avg
Indiana 5.875% Slightly lower than national avg
Kentucky 5.875% Slightly lower than national avg
North Carolina 5.875% Slightly lower than national avg
Texas 5.875% Slightly lower than national avg
New York 6.25% Higher than national avg

These differences, though seemingly small, happen because of a few things:

  • Laws: States with judicial foreclosure laws (where lenders must go through courts to foreclose) sometimes have slightly higher rates to account for the longer process and potential costs.
  • Local Economy: A strong local job market and high demand can influence rates. Conversely, areas where many lenders are competing for business might see lower rates.
  • Operating Costs: The general cost of doing business for lenders in a particular state can also filter down into the rates they offer.

Expert Insights: What Lies Ahead?

From my perspective, the consensus among housing experts and economists for 2026 is one of gradual moderation.

  • Rate Stability: The prevailing thought is that rates are likely to stay within a narrow range, probably hovering around the 6% mark for the foreseeable future, unless a major economic event shakes things up.
  • Economic Drivers: It’s important to remember that mortgage rates aren't just tied to the Federal Reserve's main interest rate. They are much more closely linked to the yield on 10-year Treasury notes and broader inflation trends. Positive news on inflation or a cooling job market can definitely push rates downwards.
  • 2026 Outlook: Most forecasts point to a modest downward trend in mortgage rates throughout the year. Some predict we could see them dip below 6% by the end of 2026.
  • Buyer Behavior: While today's rates are significantly higher than the ultra-low rates we saw during the pandemic, their current stability is a positive for buyers. It allows for better financial planning. This stability, coupled with moderating price growth, is starting to re-engage buyers who were on the sidelines.

It's an interesting time in the housing market. While we're not seeing the rock-bottom rates of the past, the current environment offers a level of predictability that can be very beneficial for those looking to make a move.

🏡 Two Amazing Properties Available for Investors

Port Charlotte, FL
🏠 Property: Aldridge Ave
🛏️ Beds/Baths: 3 Bed • 2 Bath • 1548 sqft
💰 Price: $339,900 | Rent: $2,195
📊 Cap Rate: 5.8% | NOI: $1,643
📅 Year Built: 2025
📐 Price/Sq Ft: $220
🏙️ Neighborhood: A+

and

Punta Gorda, FL
🏠 Property: Oceanic Rd
🛏️ Beds/Baths: 6 Bed • 4 Bath • 3032 sqft
💰 Price: $639,900 | Rent: $4,895
📊 Cap Rate: 6.9% | NOI: $3,685
📅 Year Built: 2025
📐 Price/Sq Ft: $212
🏙️ Neighborhood: B+

Florida’s A+ affordable rental vs Punta Gorda’s larger high‑yield property. Which fits YOUR investment strategy?

We have much more inventory available than what you see on our website – Let us know about your requirement.

📈 Choose Your Winner & Contact Us Today!

Talk to a Norada investment counselor (No Obligation):

(800) 611-3060


View All Properties 

Mortgage Rates Today, Jan 12: 30-Year Refinance Rate Drops by 7 Basis Points

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Here's today's update on mortgage refinance rates. For January 12th, the average 30-year fixed refinance rate has seen a decrease of 7 basis points, bringing it down from last week's average of 6.51% to a more inviting 6.44%. This is a tangible number, and for those of you considering refinancing, it's a significant positive development.

Mortgage Rates Today, Jan 12: 30-Year Refinance Rate Drops by 7 Basis Points

Key Takeaways:

  • The average 30-year fixed refinance rate dropped by 7 basis points to 6.44% as of January 12, according to Zillow.
  • This move signals a positive shift for homeowners looking to lower their monthly payments.
  • Refinance applications are seeing a significant uptick, with a 27% increase week-over-week.
  • Government intervention and economic indicators are the primary drivers behind this rate decrease.

What Exactly Does That 7 Basis Point Drop Mean?

Let’s break down what a “basis point” really signifies. In the world of finance, a basis point is the smallest unit of measurement for interest rates. One basis point is equal to 0.01% (or 1/100th of a percent). So, a drop of 7 basis points means the average rate has fallen by 0.07%.

While that might sound small, let’s put it into perspective. If you have a mortgage of, say, $300,000, a 0.07% difference in your interest rate can translate to about $15 to $20 less in your monthly payment. Over the lifetime of a 30-year loan, those savings can add up considerably. It’s not a dramatic change that will instantly cut your mortgage in half, but it's a meaningful step in the right direction for many households.

A Deeper Look at Today's Mortgage Rates

Zillow's latest report for January 12th paints a clear picture of the current market:

Loan Type Average Rate (as of Jan 12) Change from Previous Week
30-Year Fixed Refinance Rate 6.44% Down 7 basis points
15-Year Fixed Refinance Rate 5.25% Down 21 basis points
5-Year ARM Refinance Rate 7.32% Unchanged

As you can see, the 15-year fixed refinance rate has seen an even more substantial drop, falling by 21 basis points from 5.46% to 5.25%. This makes the 15-year option significantly more attractive for those who can manage the higher monthly payments, as it can lead to substantial savings in interest over time. The 5-year Adjustable-Rate Mortgage (ARM) rate, however, remained steady at 7.32% for now.

30-Year vs. 15-Year Refinance: Which is Right for You?

This is a question I get asked a lot, and the answer truly depends on your personal financial situation and goals.

  • The 30-Year Fixed Refinance: This is the most popular choice for a reason. It offers the lowest monthly payment. If your primary goal is to reduce your current monthly outflow, the 30-year is likely your best bet. It gives you more breathing room in your budget, which can be invaluable if you have other financial priorities or are looking to increase your cash flow. The longer term means you spread out your payments over a longer period.
  • The 15-Year Fixed Refinance: This option comes with a higher monthly payment, but the benefits are powerful.
    • Lower Interest Rate: As we've seen today, 15-year rates are typically lower than 30-year rates.
    • Faster Equity Building: You'll pay off your mortgage in half the time, building equity much more rapidly.
    • Significant Interest Savings: Over the life of the loan, you can save tens, even hundreds, of thousands of dollars in interest compared to a 30-year loan.

My take: If you can comfortably afford the higher monthly payments of a 15-year refinance, and your goal is to become debt-free sooner and save a massive amount on interest, it's almost always the smarter financial move. The current drop in 15-year rates makes this an even more compelling proposition right now. However, if a lower monthly payment is a necessity for your budget, the 30-year refinance is still a great way to potentially lower your current housing cost.

Refinance Demand Skyrockets: The Market is Reacting!

These rate drops aren't happening in a vacuum. Borrowers are definitely taking notice, and the data proves it. Zillow reports a significant surge in refinance applications:

  • Week-over-Week Surge: For the week ending January 2, 2026, refinance applications jumped by a remarkable 27%. This is a clear indicator that homeowners are actively looking to capitalize on these lower rates.
  • Annual Growth: Looking at the bigger picture, demand in dollar volume is up an astounding 99% compared to the same week last year. This tells me that the market is not just recovering; it's experiencing a powerful rebound in refinancing activity.

I've spoken to many lenders, and they're seeing this firsthand. The phones are ringing, and online portals are buzzing with activity. People who may have been sitting on the sidelines are now feeling the urgency to lock in a better rate before they potentially tick back up.

Who is Rushing to Refinance?

The data suggests that approximately 20% of current mortgaged homeowners are holding onto rates above 6%. These are the folks who are most motivated to refinance. When rates dip into the high 5% range, as they are now, it creates a powerful incentive for them to act. They're the ones who stand to see the most immediate and significant savings, making them prime candidates for refinancing.

What's Driving These Falling Rates?

It’s not just happenstance. There are significant forces at play pushing mortgage rates lower. I've identified a few key market drivers:

  1. Government Intervention: A Strategic Move
    On January 9, 2026, President Trump issued an executive order for the purchase of $200 billion in mortgage-backed securities (MBS). This is a direct intervention aimed at injecting liquidity into the mortgage market and, consequently, driving down borrowing costs for consumers. When the government buys MBS, it increases demand for these securities, which in turn pushes their prices up and yields (interest rates) down. It’s a powerful tool to influence the mortgage market, and we're seeing its effect.
  2. Economic Indicators: The Jobs Report Effect
    In early January, the latest jobs report came in weaker than anticipated. A slower-than-expected job growth can signal that the economy might be cooling down. In response to weaker economic data, the Federal Reserve (or, in this case, the government's intervention is directly impacting) often looks to lower interest rates to stimulate growth. This weaker jobs report provided further downward pressure on interest rates across the board, including mortgage rates.
  3. The 2026 Forecast: A “Great Housing Reset”
    The outlook for 2026 is optimistic for the housing market, with many experts anticipating a “Great Housing Reset.” This forecast suggests a year of increased housing activity and, importantly, a significant rise in refinance volumes. Experts predict refinance volumes to increase by over 30% annually as the year progresses. This is fantastic news for homeowners looking to benefit from a competitive lending environment.

My Thoughts on the Market Direction

From my perspective, this current dip in rates isn't just a temporary blip. While interest rates can be notoriously difficult to predict long-term, the combination of deliberate government action and economic signals suggests a sustained period of relatively lower borrowing costs. The $200 billion MBS purchase is a significant commitment, and it signals a clear intent to keep mortgage rates accessible.

For homeowners who have been waiting for the right moment to refinance, I genuinely believe that now is a very opportune time to explore your options. It’s crucial to shop around with multiple lenders, as rates can vary, and to get personalized quotes based on your credit score and financial situation. Don't let this opportunity pass you by. Taking action now could lead to significant savings and improved financial well-being for years to come.

🏡 2 Beautiful Properties Available for Investors

Port Charlotte, FL
🏠 Property: Dorion St
🛏️ Beds/Baths: 4 Bed • 4 Bath • 2086 sqft
💰 Price: $412,400 | Rent: $3,190
📊 Cap Rate: 6.2% | NOI: $2,124
📅 Year Built: 2023
📐 Price/Sq Ft: $198
🏙️ Neighborhood: A+

and

Kansas City, MO
🏠 Property: E 110th Terrace
🛏️ Beds/Baths: 3 Bed • 2 Bath • 1002 sqft
💰 Price: $220,000 | Rent: $1,700
📊 Cap Rate: 6.9% | NOI: $1,273
📅 Year Built: 1957
📐 Price/Sq Ft: $220
🏙️ Neighborhood: A-

Florida’s modern build with strong cash flow vs Missouri’s affordable rental with higher cap rate. Which fits YOUR investment strategy?

We have much more inventory available than what you see on our website – Let us know about your requirement.

📈 Choose Your Winner & Contact Us Today!

Talk to a Norada investment counselor (No Obligation):

(800) 611-3060

View All Properties 

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Why Mortgage Rates Near 6% in 2026 Matter for Real Estate Investors

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Let's talk about something that's on a lot of real estate investors' minds: mortgage rates. Specifically, what happens when they settle around 6% by 2026. It matters, a lot. Essentially, mortgage rates hovering near 6% in 2026 signal a significant shift from the ultra-low rates we’ve seen, fundamentally altering affordability, investment strategies, and the very dynamics of the real estate market for anyone looking to make a profit through property. This isn't just a number; it's a new economic reality that demands our attention.

For years, we’ve been riding a wave of incredibly low borrowing costs. It felt like a golden ticket, making it easier to acquire properties and see quick appreciation. But that tide is turning. As rates climb closer to that 6% mark, it’s like the music is starting to slow down, and we all need to be prepared to change our dance steps.

Why Mortgage Rates Near 6% in 2026 Matter for Real Estate Investors

The Affordability Squeeze: A Smaller Pool of Buyers

Here’s the biggest, most immediate impact: affordability. Imagine you’re a first-time homebuyer, just starting out. You’ve been saving, dreaming of owning your own place. Now, combine that 6% mortgage rate with home prices that are still pretty high from the recent boom. Suddenly, that dream becomes a lot more expensive. That higher monthly payment can push homeownership out of reach for a lot of people.

As an investor, this directly affects you. If fewer people can afford to buy, it means there's a smaller pool of potential buyers when you decide it's time to sell. This can lead to longer selling times or, worse, having to accept lower offers than you anticipated. I've seen it happen – when the affordability window closes, the frenzy cools off, and the market becomes a lot more discerning.

The Sticky “Lock-in” Effect: Supply Woes Continue

Now, let’s talk about the “lock-in” effect. This is a major player in the housing market right now, and it’s not going away anytime soon. What it means is that a huge chunk of existing homeowners – over 80% – have mortgage rates far, far below that 6% we’re projecting. They’re sitting on incredibly low payments.

Why does this matter to us investors? Simple: Supply. These homeowners are essentially stapled to their current homes. They’re not going to sell and then buy a new place with a mortgage rate that’s double or triple what they're paying now. This reluctance to move dramatically shrinks the number of homes available on the market. For us, that means fewer properties to choose from, and increased competition when a good deal does pop up. It’s like trying to find a needle in a haystack, but the haystack is also getting smaller.

The Rental Boom: A Silver Lining for Some

But it’s not all gloom and doom. For those of us who focus on rental properties, this affordability challenge can actually be a good thing. When buying a home becomes too expensive, more people will choose to rent. They might also opt for renting because they need flexibility, especially with the uncertainty in the market.

This sustained or even increased demand for rentals can be a huge benefit. It can lead to more stable rental income streams for investors. I’ve always believed that a strong rental market is the bedrock of a smart real estate investment strategy, and this trend certainly reinforces that. As long as people need a roof over their heads, there's an opportunity.

Shifting Buyer Mentality: A New “Normal”

Here’s something we need to adjust our thinking around: buyer psychology. Forecasters are saying that a 6% rate is becoming the “new normal.” We can't keep waiting for rates to magically drop back to 3%. Eventually, buyers will accept that this is the going rate and adapt.

When this happens, we might actually see more buyers re-enter the market. They'll get past the sticker shock and realize they need to act. This could, in turn, lead to more competition for properties. National forecasts suggest modest price growth between 0.5% and 4% in 2026, which is a far cry from the double-digit jumps we’ve seen, but it’s still growth. It means the market won't necessarily crash, but it will demand a more strategic approach.

Refinancing: A Lifeline for Some Investors

For those of us who might have bought properties when rates were at their peak, say above 7% in late 2023, a move towards 6% in 2026 could be a welcome opportunity. This is where refinancing becomes a powerful tool. Locking in a lower rate can significantly reduce monthly principal and interest payments.

Think about the impact on your cash flow. Lowering those payments instantly boosts your profitability. It’s like getting a discount on your biggest expense. This is a key strategy for improving returns on existing investments and freeing up capital for future deals.

Key Takeaways for Savvy Investors

So, what does this all boil down to for us on the ground?

  • Cash Flow is King (More Than Ever): With borrowing costs higher, every dollar of expense matters. You have to do your homework. We need to meticulously analyze potential rental yields and operating costs to ensure our properties are generating positive cash flow from day one. There’s less room for error, and relying on rapid appreciation alone is a risky game.
  • Leverage Strategies Need Reinvention: Leverage is using borrowed money to make money, and it's a core part of real estate investing. But at 6% rates, we need to be smarter about how we use it. This is where specialized loans like DSCR (Debt Service Coverage Ratio) loans become incredibly important. These loans are based on the property's ability to generate enough income to cover its debt, which is perfect for investors.
  • Market Dynamics are Shifting: The wild west days of bidding wars and frantic offers are likely behind us. The market in 2026 is expected to be more balanced. This means sellers will need to be more realistic with their pricing. For us, this could mean more negotiating power and fewer situations where we’re forced to overpay. It’s a return to more traditional real estate deal-making.

In conclusion, mortgage rates near 6% in 2026 are not just a statistic; they’re a call to action for us as real estate investors. They demand careful financial planning, a deep understanding of how affordability and supply interact, and a willingness to explore innovative financing. The era of easy money and sky-high appreciation is giving way to a more deliberate, data-driven approach. By adapting our strategies now, we can continue to find success and build wealth in this evolving market.

🏡 Two Amazing Properties Available for Investors

Port Charlotte, FL
🏠 Property: Aldridge Ave
🛏️ Beds/Baths: 3 Bed • 2 Bath • 1548 sqft
💰 Price: $339,900 | Rent: $2,195
📊 Cap Rate: 5.8% | NOI: $1,643
📅 Year Built: 2025
📐 Price/Sq Ft: $220
🏙️ Neighborhood: A+

VS

Punta Gorda, FL
🏠 Property: Oceanic Rd
🛏️ Beds/Baths: 6 Bed • 4 Bath • 3032 sqft
💰 Price: $639,900 | Rent: $4,895
📊 Cap Rate: 6.9% | NOI: $3,685
📅 Year Built: 2025
📐 Price/Sq Ft: $212
🏙️ Neighborhood: B+

Florida’s A+ affordable rental vs Punta Gorda’s larger high‑yield property. Which fits YOUR investment strategy?

We have much more inventory available than what you see on our website – Let us know about your requirement.

📈 Choose Your Winner & Contact Us Today!

Talk to a Norada investment counselor (No Obligation):

(800) 611-3060


View All Properties

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Norada Real Estate Investments 30251 Golden Lantern, Suite E-261 Laguna Niguel, CA 92677

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