National Housing Market Overview

NATIONAL CRASH SCORE

WATCH

No change

Updated daily • Mar 15, 2026

30-Year Mortgage Rate

6.11%

15-Year: 5.50%

Source: Freddie Mac • Published Thursdays

Next Fed Meeting

Days

Hrs

Min

2026-03-18 • Rate decisions affect mortgage costs

Key National Stats

Consumer Sentiment56.4

Housing Starts1K

Building Permits1K

Fed Funds Rate3.64%

National CrashWatch Score History

30-Year Mortgage Rate

METRO STRESS LEADERBOARD

#	City	Score	Median
1	Olympia, WA	51STRESS	$518K
2	Oxnard, CA	47WATCH	$862K
3	Salt Lake City, UT	46WATCH	$554K
4	Bremerton, WA	46WATCH	$565K
5	Santa Rosa, CA	45WATCH	$770K
6	San Jose, CA	44WATCH	$1569K
7	Boston, MA	44WATCH	$709K
8	Provo, UT	44WATCH	$534K
9	Vallejo, CA	44WATCH	$567K
10	Manchester, NH	44WATCH	$503K
11	Naples, FL	44WATCH	$551K
12	Fort Collins, CO	44WATCH	$540K
13	Boulder, CO	44WATCH	$702K
14	Greeley, CO	44WATCH	$489K
15	Los Angeles, CA	42WATCH	$944K
16	Asheville, NC	42WATCH	$413K
17	San Diego, CA	41WATCH	$904K
18	Riverside, CA	41WATCH	$576K
19	Stockton, CA	41WATCH	$522K
20	Salinas, CA	41WATCH	$826K
21	Sacramento, CA	40WATCH	$566K
22	Portland, OR	40WATCH	$516K
23	Ogden, UT	40WATCH	$505K
24	Portland, ME	40WATCH	$516K
25	Seattle, WA	39WATCH	$730K
26	Baltimore, MD	39WATCH	$391K
27	Providence, RI	39WATCH	$501K
28	Santa Maria, CA	39WATCH	$971K
29	San Luis Obispo, CA	39WATCH	$880K
30	Urban Honolulu, HI	38WATCH	$840K
31	Bridgeport, CT	38WATCH	$652K
32	New York, NY	37WATCH	$703K
33	San Francisco, CA	37WATCH	$1090K
34	Colorado Springs, CO	37WATCH	$448K
35	Durham, NC	37WATCH	$402K
36	Reno, NV	37WATCH	$551K
37	Denver, CO	36WATCH	$559K
38	Worcester, MA	36WATCH	$461K
39	Greenville, SC	36WATCH	$48K
40	Boise City, ID	36WATCH	$479K
41	Santa Cruz, CA	36WATCH	$1091K
42	Modesto, CA	35WATCH	$457K
43	Kennewick, WA	35WATCH	$431K
44	Trenton, NJ	34WATCH	$434K
45	Salisbury, DE	33WATCH	$417K
46	Philadelphia, PA	32WATCH	$374K
47	Nashville, TN	32WATCH	$444K
48	Fresno, CA	32WATCH	$401K
49	North Port, FL	32WATCH	$400K
50	Albany, NY	31WATCH	$402K
51	Spokane, WA	31WATCH	$406K
52	Grand Rapids, MI	30WATCH	$339K
53	Norwich, CT	30WATCH	$400K
54	Raleigh, NC	29WATCH	$428K
55	Ann Arbor, MI	29WATCH	$398K
56	Crestview, FL	29WATCH	$428K
57	Austin, TX	28WATCH	$193K
58	Columbus, OH	28WATCH	$268K
59	Columbus, GA	28WATCH	$268K
60	Eugene, OR	27WATCH	$443K
61	Utica, NY	27WATCH	$213K
62	Merced, CA	27WATCH	$410K
63	Jacksonville, FL	26WATCH	$121K
64	Milwaukee, WI	26WATCH	$363K
65	Orlando, FL	26WATCH	$381K
66	Knoxville, TN	26WATCH	$352K
67	New Haven, CT	26WATCH	$386K
68	Roanoke, VA	26WATCH	$287K
69	Longview, TX	26WATCH	$409K
70	Erie, PA	26WATCH	$209K
71	Toledo, OH	25SAFE	$190K
72	Savannah, GA	25SAFE	$344K
73	Tuscaloosa, AL	25SAFE	$213K
74	Fort Smith, AR	25SAFE	$195K
75	Charleston, SC	24SAFE	$140K
76	Madison, WI	24SAFE	$225K
77	Hagerstown, MD	24SAFE	$313K
78	Charleston, WV	24SAFE	$140K
79	Yakima, WA	24SAFE	$342K
80	Houston, TX	23SAFE	$302K
81	Phoenix, AZ	23SAFE	$442K
82	Washington, VA	23SAFE	$223K
83	Cape Coral, FL	23SAFE	$337K
84	Fayetteville, AR	23SAFE	$251K
85	Fayetteville, NC	23SAFE	$251K
86	Port St. Lucie, FL	23SAFE	$375K
87	Anchorage, AK	23SAFE	$403K
88	Ocala, FL	23SAFE	$271K
89	Waco, TX	23SAFE	$246K
90	Atlantic City, NJ	23SAFE	$369K
91	Las Vegas, NV	22SAFE	$239K
92	Tucson, AZ	22SAFE	$338K
93	Hartford, CT	22SAFE	$377K
94	Jackson, MS	22SAFE	$139K
95	Lafayette, LA	22SAFE	$272K
96	Virginia Beach, VA	21SAFE	$360K
97	Cleveland, OH	21SAFE	$119K
98	McAllen, TX	21SAFE	$188K
99	Lancaster, PA	21SAFE	$372K
100	Spartanburg, SC	21SAFE	$272K
101	Clarksville, TN	21SAFE	$289K
102	Evansville, IN	21SAFE	$214K
103	San Antonio, TX	20SAFE	$274K
104	Dallas, TX	20SAFE	$358K
105	Indianapolis, IN	20SAFE	$283K
106	Louisville, KY	20SAFE	$270K
107	Des Moines, IA	20SAFE	$285K
108	Harrisburg, PA	20SAFE	$298K
109	Lexington, KY	20SAFE	$205K
110	Visalia, CA	20SAFE	$352K
111	York, PA	20SAFE	$297K
112	Duluth, MN	20SAFE	$245K
113	Kalamazoo, MI	20SAFE	$262K
114	Charlotte, NC	19SAFE	$380K
115	Tampa, FL	19SAFE	$352K
116	Bakersfield, CA	19SAFE	$358K
117	Chattanooga, TN	19SAFE	$314K
118	Huntsville, AL	19SAFE	$264K
119	Rockford, IL	19SAFE	$206K
120	Lincoln, NE	19SAFE	$135K
121	Albuquerque, NM	18SAFE	$340K
122	Kansas City, MO	18SAFE	$312K
123	Omaha, NE	18SAFE	$295K
124	Miami, FL	18SAFE	$131K
125	Detroit, MI	18SAFE	$254K
126	Cincinnati, OH	18SAFE	$296K
127	Palm Bay, FL	18SAFE	$336K
128	Peoria, IL	18SAFE	$161K
129	Canton, OH	18SAFE	$203K
130	Tallahassee, FL	18SAFE	$273K
131	El Paso, TX	17SAFE	$226K
132	Memphis, TN	17SAFE	$238K
133	Birmingham, AL	17SAFE	$252K
134	Little Rock, AR	17SAFE	$222K
135	Lakeland, FL	17SAFE	$295K
136	Augusta, GA	17SAFE	$302K
137	Youngstown, OH	17SAFE	$163K
138	Fort Wayne, IN	17SAFE	$245K
139	Gainesville, FL	17SAFE	$309K
140	Green Bay, WI	17SAFE	$326K
141	Laredo, TX	17SAFE	$213K
142	Oklahoma City, OK	16SAFE	$239K
143	Atlanta, GA	16SAFE	$374K
144	Richmond, VA	16SAFE	$163K
145	Buffalo, NY	16SAFE	$269K
146	Tulsa, OK	16SAFE	$243K
147	Deltona, FL	16SAFE	$323K
148	Salem, OR	16SAFE	$150K
149	Montgomery, AL	16SAFE	$205K
150	Kingsport, TN	16SAFE	$235K
151	Appleton, WI	16SAFE	$333K
152	St. Louis, MO	15SAFE	$262K
153	Allentown, PA	15SAFE	$349K
154	Wichita, KS	15SAFE	$213K
155	Myrtle Beach, SC	15SAFE	$334K
156	Reading, PA	15SAFE	$299K
157	Shreveport, LA	15SAFE	$171K
158	Hickory, NC	15SAFE	$259K
159	Macon, GA	15SAFE	$190K
160	Minneapolis, MN	14SAFE	$374K
161	Pittsburgh, PA	14SAFE	$218K
162	Baton Rouge, LA	14SAFE	$240K
163	Akron, OH	14SAFE	$225K
164	Lansing, MI	14SAFE	$234K
165	Corpus Christi, TX	14SAFE	$217K
166	Flint, MI	14SAFE	$183K
167	Lubbock, TX	14SAFE	$206K
168	Wilmington, NC	14SAFE	$241K
169	Chicago, IL	13SAFE	$334K
170	New Orleans, LA	13SAFE	$253K
171	Rochester, NY	13SAFE	$324K
172	Columbia, SC	13SAFE	$308K
173	Syracuse, NY	13SAFE	$245K
174	Pensacola, FL	13SAFE	$300K
175	Killeen, TX	13SAFE	$247K
176	Mobile, AL	13SAFE	$187K
177	Gulfport, MS	13SAFE	$214K
178	Davenport, IL	13SAFE	$183K
179	Huntington, OH	13SAFE	$198K
180	Cedar Rapids, IA	13SAFE	$230K
181	Sioux Falls, SD	13SAFE	$329K
182	Lynchburg, VA	13SAFE	$277K
183	Greensboro, NC	12SAFE	$256K
184	Springfield, MA	12SAFE	$191K
185	Scranton, PA	12SAFE	$220K
186	Springfield, MO	12SAFE	$191K
187	Brownsville, TX	12SAFE	$200K
188	South Bend, IN	12SAFE	$221K
189	Fargo, ND	12SAFE	$313K
190	Binghamton, NY	12SAFE	$185K
191	Topeka, KS	12SAFE	$204K
192	Winston, NC	11SAFE	$272K
193	Beaumont, TX	11SAFE	$176K
194	Amarillo, TX	11SAFE	$211K
195	College Station, TX	11SAFE	$301K