In Q3 2025, national median home prices rose 1.7% to $426,800, with monthly mortgage payments increasing 2.1% to $2,187. The effective 30-year fixed mortgage rate decreased slightly to 6.63%. Median family incomes rose to $106,029. Qualifying incomes for mortgages vary by down payment, with $124,682 needed for 5%. The West requires the highest qualifying incomes, the Midwest the lowest. Several metro areas showed strong price growth.