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How Texas Real Estate Adapts to Federal Rate Changes

September 18, 2026

The Federal Reserve raised interest rates by 25 basis points to about 3.75%, impacting Texas real estate amid an affordability crisis. Around 40% of Houston households can currently afford homes, with median prices near $330,000. Mortgage rates have risen to 6.97%, the highest since May 2025. Buyers are advised to adjust budgets, consider financing options like adjustable-rate mortgages or seller financing, and work with realtors for smoother transactions.

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Jodi Kallus

Jodi Kallus

Summit Realtors

+1-713-725-5558

Deer Park, Texas

Up for the Challenge. Ready for Your Next Move. Buying or selling a home is about so much more than a transaction. It’s one of life’s biggest decisions. Every client’s situation ...

Summit Realtors
Which Homes Can You Afford?
See Your Options
How Much Is Your Home Worth?
Find My Home Value