Housing Price, Mortgage Rate & Escrow Dashboard
Quarterly view of median home prices, mortgage rates, and escrow requirement bands from 2015 through early 2026.
Median sale price
Mortgage rate
Peak quarterly price
Current 3% escrow
Median sale price vs mortgage rate
Dual-axis trend showing how price appreciation and financing costs moved together across very different rate regimes.
Indexed comparison from the 2015 baseline
All series rebased to 100 in 2015 Q1 to make the relative pace of price, rate, and escrow changes comparable.
2015–2019 baseline
Pre-2020 market
Before the pandemic-era rate compression, both borrowing costs and median sale prices moved in a narrower band.
Average mortgage rate
Average median price
2020–2022 acceleration
Low-rate boost
Lower financing costs coincided with a sharp step-up in median sale prices and, by extension, escrow requirements.
Average mortgage rate
Average median price
2023–2026 reset
Higher-rate plateau
Mortgage rates stayed materially above prior years, while home prices moderated from the 2022 peak but remained elevated.
Average mortgage rate
Average median price
Key takeaways
- Median home prices rose from to , equivalent to a quarterly-series CAGR of .
- Mortgage rates ranged from a trough of to a peak of , ending at .
- The full-period correlation between mortgage rates and median sale prices was , indicating that both trended upward over this quarterly window.
- The implied 3% escrow requirement moved from to , keeping cash-to-close needs elevated even after prices came off their peak.
Largest annual turning points
| Year | Price YoY | Rate Δ | 3% Escrow YoY |
|---|
Growth of 1%, 2%, and 3% escrow requirements
Stacked area layers represent each additional 1% escrow tranche; the dashed line marks the full 3% requirement.
Mortgage rates vs median sale prices
Scatter plot sized by 2% escrow and colored by calendar year, with a fitted trend line to highlight the overall relationship.
Quarter-by-quarter mortgage rate heatmap
Heat intensity reveals how the market shifted from the low-rate environment of 2020–2021 to the higher-rate regime that followed.
3D housing cost path
An advanced view connecting mortgage rate, median price, and 3% escrow into a single trajectory over time.