由于通货膨胀和美联储的谨慎态度,美国2026年1月25日的按揭利率升至6.89%,影响到住房的可负担性。 U.S. mortgage rates edged up to 6.89% on Jan. 25, 2026, due to inflation and Fed caution, affecting home affordability.

Freddy Mac指出, 截至2026年1月25日, 美国30年固定按揭平均利率略微上升至6.89%左右, As of January 25, 2026, the average U.S. 30-year fixed mortgage rate rose slightly to about 6.89%, up from 6.84% the previous week, according to Freddie Mac. 这一增加反映了持续的通货膨胀压力和美联储对降低利率采取的谨慎态度。 The increase reflects ongoing inflation pressures and the Federal Reserve’s cautious approach to lowering interest rates. 尽管有所上升,但利率仍低于2023-2024年的峰值,接近8%。 Despite the rise, rates remain below the 2023–2024 peak near 8%. 较高的借贷成本继续影响可负担性,特别是对首次购买者而言,尽管住房市场保持稳定,库存逐步增长,房价增长放缓。 Higher borrowing costs continue to affect affordability, particularly for first-time buyers, though the housing market remains stable with gradual inventory growth and slower home price increases. 根据经济数据和美联储政策,专家预期到2026年年中失业率将保持较高水平。 Experts expect rates to stay elevated through mid-2026 depending on economic data and Fed policy.