DMV Housing Market Update — November 2025: Opportunities in a Market Balancing Lower Rates and Lingering Uncertainty
Hello and welcome back after a month-long hiatus — partially due to an extended stay in Southern Spain/Costa Del Sol (Pro tip: visit in October for perfect weather and fewer people.) With winter around the corner and major economic/political headlines dominating the news, this is a good moment to break down what’s happening nationally and right here in the DMV. Mortgage rates are near a two-year low, giving both buyers and refinancers reasons to re-engage. Meanwhile, the federal government shutdown is over through January 30th, 2026 . Here’s what you need to know if you’re buying, selling, or investing in the DC metro area. * Mortgage Rate Snapshot (Nationally) 30-year fixed: 6.16% 15-year fixed: 5.61% 20-year conventional: 6.12% Refinance (30-year): 6.93% Rates are expected to remain close to 6.2% through year-end, with a potential Fed rate cut in December that may benefit buyers early next year. Individual circumstances still matter — I just s...