The Golden Handcuffs are Slipping in the U.S. Housing Market

January 14, 2026

Axios, Jan. 14, 2026-Emily Peck

The golden handcuffs are slipping: For the first time since 2020, the share of U.S. homeowners with mortgages set at 6% and higher, exceeds those with mortgages below 3%.

It’s a sign that the pervasive rate lock that’s kept the housing market on ice is loosening — good news for anyone looking to move.

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