Tekedia Capital says US 30-year mortgage rate at 6.55% deepens housing affordability squeeze

  • Tekedia Capital analysis flagged the US 30-year fixed mortgage rate at 6.55%, sustaining affordability pressure across the housing market.
  • Higher rates tied to Treasury yields, inflation expectations, Fed policy, keeping borrowing costs well above sub-3% pandemic lows.
  • Affordability squeeze seen curbing first-time buyer demand, extending renter tenure, shifting searches to lower-cost regions.
  • Lock-in effect limiting resale supply as owners resist trading low-rate mortgages for new loans at current rates, supporting prices.
  • Builders leaning on incentives such as mortgage-rate buydowns, while prolonged high rates risk slower housing activity, weaker spillovers to growth.


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