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Danny Gardner
Single-FamilyMarch 7, 2023

Addressing the Homeownership Gap by Serving the Underserved

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Research BriefMarch 13, 2023

Renters and Homeowners with Disabilities Struggle with Financial Security and Housing Accessibility

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Housing and Economic Research

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  • Research Brief | March 13, 2023

    Renters and Homeowners with Disabilities Struggle with Financial Security and Housing Accessibility

    A recent Freddie Mac study found that individuals with disabilities earn less and spend more of their income on housing, creating financial obstacles for those who want to buy a home.

    Read MoreRenters and Homeowners with Disabilities Struggle with Financial Security and Housing Accessibility

    Percent Spending More Than 30 Percent of Income on Housing
  • Research Brief | March 2, 2023

    In Today’s Housing Market, Renters Have More Financial Incentive to Migrate to More Affordable Metros than Homeowners

    First-time homebuyers’ incentives to move from a high-cost metro to a more affordable area are significantly higher in a higher interest rate environment, but existing homeowners have more incentive to stay put. More

    Monthly Savings by Moving to the Top Affordable Metro Compared to Staying in the Same Metro
  • Research Brief | February 16, 2023

    When Rates Are Higher, Borrowers Who Shop Around Save More

    As mortgage rates remain higher than in recent years, homebuyers can potentially save $600-$1,200 annually by applying for mortgages from multiple lenders. More

    Standard deviation in mortgage rates since 2020
  • Research Brief | January 24, 2023

    ADUs Can Increase Housing Stock, But Most Are Unfamiliar

    A recent Freddie Mac survey attempted to gauge familiarity and interest in accessory dwelling units. The general lack of familiarity underscores the need for additional education and dedicated financing options. More

    The top five reasons people would consider an ADU
  • Research Brief | December 20, 2022

    Housing Sentiment in the Fourth Quarter of 2022

    In the fourth quarter of 2022, consumer confidence continued to decline while payment concerns increased notably. More

    In the fourth quarter of 2022, consumer confidence in the housing market dipped to its lowest level since early 2020.
  • Research Note | December 7, 2022

    The Drivers of Financial Stress and Sustainable Homeownership

    This analysis explores the drivers of financial stress among first-time homebuyers. Identifying the factors leading to household financial stress is important to understanding what makes homeownership sustainable. More

    Exhibit 1: Means of select variables

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Opinions, estimates, forecasts, and other views contained in this document are those of Freddie Mac’s economists and other researchers, 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 authors attempt to provide reliable, useful information, they do 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. ©2023 by Freddie Mac.

Key Market Dashboards

  • Forecast Snapshot

    Full Year 2022 as of October
    30-Yr FRM
    5.4%
    Originations
    2,595($B)
    Home Sales
    5.8(M)
    House Price Growth
    6.7%

    Current Commentary & Forecast

  • Primary Mortgage Market Survey®

    Average Rates as of March 16, 2023
    30-Yr FRM
    6.60%
    15-Yr FRM
    5.90%

    This Week's Survey

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