Mortgage rates today remain largely unchanged, offering some stability for homebuyers navigating a shifting real estate landscape. With the average 30-year fixed rate at 6.125% and signs of renewed market activity, buyers may want to watch closely for opportunities this fall. Year-over-year changes and housing market trendsAccording to Nationwide, UK housing prices—a helpful international benchmark—rose 2.2% annually in September. The key takeaways from recent trends:Rates are lower than they were one year ago, when the 30-year fixed topped 7%. Gilt and Treasury yields are keeping mortgage rates elevated.