Rates at a 10-Month Low
If you’ve been watching the real estate market in Placer County, you know how much mortgage rates can impact affordability.
On May 21st, 2025, the average 30-year fixed mortgage rate was 7.08%. As of September 5th, 2025, that rate has dropped to 6.29% — the lowest we’ve seen in nearly 10 months (Source: Mortgage News Daily).
What Does This Mean for Buyers in Rocklin, Roseville, and Beyond?
This shift may not sound huge on paper, but for homebuyers in Placer County it makes a major difference:
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10% Lower Payments: For the same loan amount, today’s monthly payment is roughly 10% lower than it was in May.
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10% More Buying Power: Alternatively, buyers can now qualify to borrow about 10% more at the same monthly payment.
For example, if you were comfortable with a $3,000/month mortgage payment in May, that same payment could now afford a significantly higher-priced home in Rocklin, Roseville, Granite Bay, or other nearby markets.
Why It Matters for Placer County Real Estate
Placer County’s housing market is competitive, especially in cities like Rocklin, Roseville, Lincoln, Granite Bay, Auburn, and Loomis. With rates down, buyers have more flexibility — whether that means stretching for the home they really want or enjoying a lower monthly cost.
Should You Make a Move Now?
While no one can predict exactly where mortgage rates will go next, the current combination of:
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Lower rates
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More homes on the market compared to earlier this summer
… means buyers may have better conditions now than they did just a few months ago.
If you’ve been waiting for the right time to explore your options, this could be the opportunity you’ve been looking for.
Call or text: (916) 316-5626
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Patrick Hake
Broker Associate
eXp Realty of California
License #01349088
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