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Housing and Economic Research

Original research and analysis on housing trends, the economy and the mortgage market

Rural Home Purchases Outpaced Urban Purchases Through the 2010s

The COVID-19 pandemic has increased interest in homeowner mobility. There has been a growing trend of moving away from urban areas as housing preferences have shifted towards larger homes that are more conducive to remote work and virtual learning.

Read More>Rural Home Purchases Outpaced Urban Purchases Through the 2010s

  • Almost 50% of Black and Hispanic Borrowers Could Save $1,200 Annually by Refinancing

    The recent record low mortgage interest rates provide many borrowers with an opportunity to save thousands of dollars by lowering their mortgage rate through refinancing. But a closer look at who is refinancing demonstrates that many borrowers who could benefit from refinancing still aren’t pursuing the option. More

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  • Housing Supply: A Growing Deficit

    In a recent "Perspectives" piece about the housing supply shortage, Freddie Mac's Chief Economist, Sam Khater highlighted the growing deficit that the industry has been facing, not only during the pandemic but even before the pandemic hit. More

    Housing Supply: A Growing Deficit
  • Quarterly Forecast: As the Economy Recovers, the Housing Market Remains Healthy While Mortgage Rates Move Up

    Availability of the vaccine continues to improve, and COVID-19 restrictions are easing therefore sparking economic growth. With the passage of the American Rescue Plan Act of 2021, which included payments of up to $1,400 for individuals, $2,800 for married couples plus $1,400 for each dependent, consumer confidence in March reached the highest level since the start of the pandemic. More

  • Confidence in Housing Market High as Concerns about Finances Linger

    New Freddie Mac research shows the uncertainty renters and homeowners have about their ability to pay their rent or mortgage during the pandemic. More

  • Refinance Trends in 2020

    This past year was a busy year for the mortgage market. While the economy was in recession, record low mortgage interest rates contributed to refinance activity reaching near record highs. Many borrowers saved thousands of dollars by lowering their mortgage rate through refinances. This Research Note highlights some of the key trends defining refinance mortgage activity in 2020. More


Opinions, estimates, forecasts, and other views contained in this document are those of Freddie Mac's Economic & Housing Research group, do not necessarily represent the views of Freddie Mac or its management, and should not be construed as indicating Freddie Mac's business prospects or expected results. Although the Economic & Housing Research group attempts to provide reliable, useful information, it does not guarantee that the information or other content in this document is accurate, current or suitable for any particular purpose. All content is subject to change without notice. All content is provided on an “as is” basis, with no warranties of any kind whatsoever. Information from this document may be used with proper attribution. Alteration of this document or its content is strictly prohibited. ©2021 by Freddie Mac.

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