The national annual record
What changed across 54 completed years?
This public record shows the source inputs behind the private calculator. It does not assign an opaque affordability score or assume a household income.
Source-backed interpretation
Rates define only one part of the comparison
Within the completed records, the lowest annual average 30-year rate is 2.96% in 2021; the highest is 16.64% in 1981. Those observations alone do not establish which year was easiest for a particular household.
The calculator combines price, rate, CPI-U, and private user inputs at full precision. Taxes, insurance, PMI, HOA dues, maintenance, utilities, closing costs, credit, and underwriting remain excluded.
Run the private comparisonCompleted-year chart
Annual average 30-year mortgage rate
Each focusable bar links to the corresponding year page. The complete values and observation counts follow in the table.
Accessible chart equivalent
Annual source record
| Year | Status | Median new-home sale price | 30-year rate | Weekly rate observations | CPI-U |
|---|---|---|---|---|---|
| 1971 | △ Partial | $25,200 | 7.54% | 40 | 40.492 |
| 1972 | ◆ Complete | $27,600 | 7.38% | 52 | 41.817 |
| 1973 | ◆ Complete | $32,500 | 8.04% | 52 | 44.400 |
| 1974 | ◆ Complete | $35,900 | 9.19% | 52 | 49.308 |
| 1975 | ◆ Complete | $39,300 | 9.05% | 52 | 53.817 |
| 1976 | ◆ Complete | $44,200 | 8.87% | 53 | 56.908 |
| 1977 | ◆ Complete | $48,800 | 8.85% | 52 | 60.608 |
| 1978 | ◆ Complete | $55,700 | 9.64% | 52 | 65.233 |
| 1979 | ◆ Complete | $62,900 | 11.20% | 52 | 72.575 |
| 1980 | ◆ Complete | $64,600 | 13.74% | 52 | 82.408 |
| 1981 | ◆ Complete | $68,900 | 16.64% | 53 | 90.925 |
| 1982 | ◆ Complete | $69,300 | 16.04% | 52 | 96.500 |
| 1983 | ◆ Complete | $75,300 | 13.24% | 52 | 99.600 |
| 1984 | ◆ Complete | $79,900 | 13.88% | 52 | 103.883 |
| 1985 | ◆ Complete | $84,300 | 12.43% | 52 | 107.567 |
| 1986 | ◆ Complete | $92,000 | 10.19% | 52 | 109.608 |
| 1987 | ◆ Complete | $104,500 | 10.21% | 53 | 113.625 |
| 1988 | ◆ Complete | $112,500 | 10.34% | 52 | 118.258 |
| 1989 | ◆ Complete | $120,000 | 10.32% | 52 | 123.967 |
| 1990 | ◆ Complete | $122,900 | 10.13% | 52 | 130.658 |
| 1991 | ◆ Complete | $120,000 | 9.25% | 52 | 136.192 |
| 1992 | ◆ Complete | $121,500 | 8.39% | 53 | 140.317 |
| 1993 | ◆ Complete | $126,500 | 7.31% | 52 | 144.458 |
| 1994 | ◆ Complete | $130,000 | 8.38% | 52 | 148.225 |
| 1995 | ◆ Complete | $133,900 | 7.93% | 52 | 152.383 |
| 1996 | ◆ Complete | $140,000 | 7.81% | 52 | 156.850 |
| 1997 | ◆ Complete | $146,000 | 7.60% | 52 | 160.517 |
| 1998 | ◆ Complete | $152,500 | 6.94% | 53 | 163.008 |
| 1999 | ◆ Complete | $161,000 | 7.44% | 52 | 166.575 |
| 2000 | ◆ Complete | $169,000 | 8.05% | 52 | 172.200 |
| 2001 | ◆ Complete | $175,200 | 6.97% | 52 | 177.067 |
| 2002 | ◆ Complete | $187,600 | 6.54% | 52 | 179.875 |
| 2003 | ◆ Complete | $195,000 | 5.83% | 53 | 183.958 |
| 2004 | ◆ Complete | $221,000 | 5.84% | 52 | 188.883 |
| 2005 | ◆ Complete | $240,900 | 5.87% | 52 | 195.292 |
| 2006 | ◆ Complete | $246,500 | 6.41% | 52 | 201.592 |
| 2007 | ◆ Complete | $247,900 | 6.34% | 52 | 207.342 |
| 2008 | ◆ Complete | $232,100 | 6.03% | 53 | 215.303 |
| 2009 | ◆ Complete | $216,700 | 5.04% | 52 | 214.537 |
| 2010 | ◆ Complete | $221,800 | 4.69% | 52 | 218.055 |
| 2011 | ◆ Complete | $227,200 | 4.45% | 52 | 224.939 |
| 2012 | ◆ Complete | $245,200 | 3.66% | 52 | 229.594 |
| 2013 | ◆ Complete | $268,900 | 3.98% | 52 | 232.957 |
| 2014 | ◆ Complete | $288,500 | 4.17% | 53 | 236.736 |
| 2015 | ◆ Complete | $294,200 | 3.85% | 52 | 237.017 |
| 2016 | ◆ Complete | $307,800 | 3.65% | 52 | 240.007 |
| 2017 | ◆ Complete | $323,100 | 3.99% | 52 | 245.120 |
| 2018 | ◆ Complete | $326,400 | 4.54% | 52 | 251.107 |
| 2019 | ◆ Complete | $321,500 | 3.94% | 52 | 255.657 |
| 2020 | ◆ Complete | $330,900 | 3.11% | 53 | 258.811 |
| 2021 | ◆ Complete | $383,500 | 2.96% | 52 | 270.970 |
| 2022 | ◆ Complete | $434,500 | 5.34% | 52 | 292.655 |
| 2023 | ◆ Complete | $428,600 | 6.81% | 52 | 304.702 |
| 2024 | ◆ Complete | $420,300 | 6.72% | 52 | 313.689 |
| 2025 | ◆ Complete | $417,400 | 6.60% | 53 | 321.943 |