Live · updated October 22, 2026
U.S. housing market statistics
U.S. housing market statistics for September 2026: median list price, homes for sale, days on market, price cuts, mortgage rates and the monthly payment on a typical home, plus every state side by side. Pulled from the publishers every day and free to quote with a link.
Jump to: Monthly payment · This month vs last year · Every state · Charts · How to use these with clients
Key takeaways
The U.S. housing market in September 2026
- The U.S. median list price was $419,250 in September 2026, down 1.4% from a year earlier, per Realtor.com.
- 1,161,615 homes were for sale nationwide, 5.4% more than a year earlier and 5.2% below the same month in 2019.
- The typical listing sat 61 days on the market, and 20.8% of listings had a price cut.
- Freddie Mac's 30-year fixed rate averaged 7.40% the week of October 15, 2026, against 6.27% a year earlier. The low so far this year was 5.98% (February 26, 2026).
- Principal and interest on the median-priced listing with 20% down is about $2,322 a month, $224 more than a year earlier.
- Home prices were up 1.9% over the year to July 2026 on the S&P CoreLogic Case-Shiller U.S. National index.
Want the story behind the numbers? The AgentCOS News Desk covers each release in plain words.
Affordability
The monthly payment on a median-priced home
Principal and interest on the U.S. median list price of $419,250, 20% down, 30-year fixed at Freddie Mac's 7.40%:
$2,322 a month
A year earlier, the same math on $425,000 at 6.27% came to $2,098. That is $224 a month more, or $2,693 a year.
Taxes, insurance, HOA dues and mortgage insurance are not included. Rates are Freddie Mac's weekly average for borrowers with strong credit and 20% down; a buyer's quote can be higher or lower.
What a rate move does to that payment
| 30-year rate | Monthly P&I | vs today |
|---|---|---|
| 6.40% | $2,098 | −$224 |
| 6.90% | $2,209 | −$113 |
| 7.40% (today) | $2,322 | – |
| 7.90% | $2,438 | +$115 |
| 8.40% | $2,555 | +$233 |
Same home, same 20% down. Use it when a buyer asks whether to wait for rates: compare the payment change with what prices are doing in your market.
Side by side
The U.S. this month, last month and a year ago
| Measure | Sep 2026 | Month before | Year before | Change, 1 yr |
|---|---|---|---|---|
| Median list price | $419,250 | $424,500 | $425,000 | −1.4% |
| Median list price per sq ft | $223 | $224 | $226 | −1.3% |
| Homes for sale (active listings) | 1,161,615 | 1,140,035 | 1,102,006 | +5.4% |
| New listings | 394,830 | 401,760 | 397,428 | −0.7% |
| Pending listings | 422,936 | 451,902 | 440,887 | −4.1% |
| Median days on market | 61 | 60 | 62 | −1.6% |
| Share of listings with a price cut | 20.8% | 20.4% | 19.9% | +0.9 pts |
| Pending ratio (pending / active) | 0.36 | 0.40 | 0.40 | −0.04 |
| Median listing size, sq ft | 1,825 | 1,833 | 1,839 | −0.8% |
| Homes for sale, same month of 2019 | 1,224,915 | Today is 5.2% below 2019 | ||
Realtor.com listing data: asking prices and inventory on Realtor.com, not closed sales. Pending ratio = pending listings divided by active listings; above 0.5 leans toward sellers, below about 0.3 leans toward buyers.
Every state
State housing statistics, September 2026
All 50 states and Washington, D.C. Tap a column to sort. The small line under a number is the change from a year earlier.
- Highest median list priceHawaii $732,450
- Lowest median list priceWest Virginia $259,997
- Biggest inventory rise, 1 yrMinnesota +30.0%
- Biggest inventory drop, 1 yrFlorida −9.5%
- Fewest days on marketRhode Island 38 days
- Highest share with a price cutOregon 28.2%
| Alabama | $325,000−1.5% | $166 | 22,525+8.5% | 71 | 19.1% |
| Alaska | $435,000−2.2% | $260 | 2,271+11.6% | 59 | 20.8% |
| Arizona | $459,900−3.5% | $260 | 29,571+6.7% | 65 | 26.7% |
| Arkansas | $318,743+4.5% | $167 | 14,883+12.2% | 68 | 19.8% |
| California | $725,000−3.1% | $456 | 74,607+0.6% | 55 | 18.6% |
| Colorado | $564,000−3.9% | $281 | 34,082+9.8% | 67 | 27.2% |
| Connecticut | $522,500−0.5% | $280 | 5,934+11.5% | 41 | 13.8% |
| Delaware | $484,998−0.1% | $232 | 3,556+13.8% | 60 | 19.0% |
| District of Columbia | $527,500−10.4% | $483 | 2,898−2.9% | 58 | 16.3% |
| Florida | $409,950−3.5% | $249 | 146,478−9.5% | 81 | 20.1% |
| Georgia | $389,750−1.3% | $187 | 53,320+9.3% | 66 | 22.2% |
| Hawaii | $732,450−2.3% | $717 | 6,605+9.6% | 88 | 13.9% |
| Idaho | $593,000+1.4% | $293 | 8,819−5.4% | 61 | 19.1% |
| Illinois | $324,950+2.7% | $187 | 22,584+0.2% | 39 | 16.9% |
| Indiana | $299,000−0.2% | $163 | 19,349+13.2% | 52 | 26.7% |
| Iowa | $284,900+2.1% | $174 | 11,855+3.7% | 59 | 19.9% |
| Kansas | $296,000+0.4% | $157 | 8,075+0.9% | 54 | 17.4% |
| Kentucky | $307,775−0.7% | $174 | 13,667+14.8% | 55 | 22.6% |
| Louisiana | $270,000−3.1% | $152 | 15,859−4.4% | 78 | 19.4% |
| Maine | $450,000−3.6% | $279 | 6,505+21.7% | 61 | 23.5% |
| Maryland | $425,000−4.0% | $229 | 17,577+17.0% | 47 | 21.2% |
| Massachusetts | $714,250−5.2% | $410 | 13,958+18.1% | 45 | 17.2% |
| Michigan | $299,900+0.0% | $188 | 29,277+15.8% | 47 | 21.7% |
| Minnesota | $379,900−2.3% | $197 | 19,379+30.0% | 47 | 22.1% |
| Mississippi | $292,250−1.4% | $151 | 9,519+7.5% | 75 | 19.0% |
| Missouri | $300,000−0.8% | $172 | 21,267+7.2% | 57 | 20.5% |
| Montana | $635,000−0.3% | $321 | 5,949−3.8% | 75 | 17.3% |
| Nebraska | $335,000−2.4% | $169 | 6,012+5.6% | 47 | 14.0% |
| Nevada | $480,000−3.3% | $267 | 13,654+2.2% | 58 | 24.5% |
| New Hampshire | $590,000−0.4% | $310 | 3,520+4.7% | 59 | 17.9% |
| New Jersey | $559,500+0.4% | $312 | 21,036+17.5% | 45 | 13.0% |
| New Mexico | $399,475−0.1% | $217 | 7,322+7.7% | 80 | 21.5% |
| New York | $605,000−6.8% | $378 | 40,537+4.8% | 61 | 11.2% |
| North Carolina | $400,000−4.6% | $212 | 48,917+11.9% | 69 | 23.1% |
| North Dakota | $370,700+1.7% | $174 | 2,278+0.8% | 57 | 18.9% |
| Ohio | $284,000−0.9% | $167 | 24,622+14.3% | 45 | 23.2% |
| Oklahoma | $296,643−0.9% | $163 | 17,035+7.1% | 65 | 21.1% |
| Oregon | $550,000−3.3% | $300 | 18,535+6.9% | 72 | 28.2% |
| Pennsylvania | $309,000−3.4% | $189 | 28,894+11.6% | 51 | 19.3% |
| Rhode Island | $569,900−2.5% | $379 | 1,957+16.9% | 38 | 12.0% |
| South Carolina | $359,945−2.3% | $200 | 29,263+9.4% | 68 | 23.9% |
| South Dakota | $375,000+0.4% | $204 | 3,581+0.4% | 58 | 17.6% |
| Tennessee | $429,450−0.1% | $221 | 36,900+9.1% | 68 | 23.9% |
| Texas | $355,765−2.5% | $181 | 137,129+0.9% | 66 | 22.6% |
| Utah | $579,000−1.9% | $253 | 15,416+9.1% | 67 | 26.5% |
| Vermont | $499,450−1.0% | $273 | 2,755+8.4% | 74 | 16.6% |
| Virginia | $455,953+1.3% | $234 | 26,222+21.8% | 47 | 21.0% |
| Washington | $639,475−1.5% | $340 | 29,326+19.9% | 58 | 24.4% |
| West Virginia | $259,997−0.8% | $147 | 4,388+3.4% | 58 | 16.7% |
| Wisconsin | $389,900−0.6% | $217 | 15,857+20.3% | 45 | 18.7% |
| Wyoming | $496,500+5.1% | $216 | 2,589−8.7% | 66 | 16.6% |
States with their own page (every metro, charts, local rules) are linked in the table: Arizona · California · Colorado · Florida · North Carolina · Texas. More states are added one at a time.
Trends
How the national numbers have moved
30-year fixed mortgage rate
U.S. median list price
U.S. homes for sale
U.S. median days on market
Share of U.S. listings with a price cut
U.S. home price index (Case-Shiller)
Sold prices and new construction
The other side of the market
- Median sale price of houses sold: $410,700 in the quarter starting April 2026 (down 1.3% from a year earlier). Census Bureau and HUD.
- Housing starts: 1,221,000 a year (seasonally adjusted rate) in September 2026, down 7.4% from a year earlier; building permits 1,400,000. Census Bureau and HUD.
- New single-family homes sold: 684,000 a year in August 2026, down 2.0% from a year earlier, with 8.5 months of new-home supply. Census Bureau and HUD.
For agents
How to use these numbers with clients
Sellers: the price-cut share and days on market tell a seller how patient the market is. If one listing in five is cutting its price nationally, an overpriced listing in your area will likely join them. Pair it with the comps in a Smart Pricing Report and the price conversation gets easier.
Buyers: the payment table answers "should we wait for rates?" with arithmetic. A half-point drop saves a known amount a month; if prices in your area rise faster than that, waiting costs money. A Total Cost of Ownership report adds taxes, insurance and HOA dues for the actual home.
Everyone: national numbers set the mood, local numbers set the price. Quote the national figure for context, then show what your own MLS says. An Area Market Report does that for one neighborhood or ZIP.
Questions
U.S. housing questions, answered with today's numbers
What is the median home price in the U.S. right now?
The U.S. median list price was $419,250 in September 2026, per Realtor.com. That is the asking price of the middle listing. Closed-sale medians (NAR, Census) run on their own schedules and can differ by several percent.
How many homes are for sale in the U.S.?
1,161,615 active listings in September 2026 (Realtor.com), not counting homes already under contract. That is 5.2% below the same month in 2019.
How long are homes taking to sell?
The median U.S. listing spent 61 days on the market in September 2026. Local markets vary widely; the state table on this page shows each one.
What are mortgage rates today?
Freddie Mac's weekly survey put the 30-year fixed at 7.40% and the 15-year at 6.71% for the week of October 15, 2026. A borrower's own rate depends on credit, down payment, points and loan type.
What is the monthly payment on a median-priced home?
About $2,322 a month for principal and interest on $419,250 with 20% down at 7.40%. Taxes, insurance, HOA dues and mortgage insurance come on top.
Can I quote these numbers?
Yes. Quote the number with its month and source, and link to agentcos.com/market-statistics/.
Free to quote. Use any number on this page with its month and source, and link to agentcos.com/market-statistics/.
Want this for one neighborhood?
These are national and statewide listing numbers. An Area Market Report gives you 12 months of closed sales for one subdivision, neighborhood or ZIP, built from your MLS export, with your logo on it.
Sources
- Realtor.com Economic Research, Residential Real Estate Data (median list price, price per square foot, active, new and pending listings, median days on market, price-reduced share, pending ratio), monthly, U.S. and state files. realtor.com/research/data
- Freddie Mac, Primary Mortgage Market Survey (30-year and 15-year fixed rates), weekly. freddiemac.com/pmms
- S&P CoreLogic Case-Shiller U.S. National Home Price Index; U.S. Census Bureau and HUD (housing starts, building permits, new-home sales, median sale price of houses sold); through FRED, Federal Reserve Bank of St. Louis. fred.stlouisfed.org
Listing numbers describe asking prices and inventory, not closed sales. The page refreshes from the publishers at least twice a day; each publisher updates on its own schedule (Realtor.com monthly, early in the month; Freddie Mac weekly on Thursdays; Case-Shiller monthly with a two-month lag; Census monthly).