Today’s Mortgage Rates + DFW Housing Market Update 

Have you been following the housing market these past few months?  Whether you have or have not, in August, housing mortgage rates went to an all time low since October 2024.  As of September 18, 2025 these are the latest rates:  

1. Conventional 30-yr fixed: 6.37%

2. FHA 30-yr fixed: 6.05% 

3. VA 30-yr fixed: 6.07%

4. Freddie Mac 30-yr fixed PMMS (weekly): 6.26%

The summer months are the busiest time of year for the housing market, as many prefer to move after or near the end of school and prefer to be in a home before school starts.  With that in mind 2025 saw one of the slowest summers pre COVID.  With that, the cost to purchase a home and interest rates being up at/near 7% were causing home buyers to push pause.  Even though sellers were listing their homes and we saw an increase in monthly inventory since 2019. Check out August Housing Market 2025:

📍 Dallas County

• Median Price: $365,000 (up 1.7%)

• Market Share: 26.1% of homes priced between $200K–$299K

• Active Listings: 7,970 (up 23.5%)

• Closed Sales: 1,748 (down 3.6%)

• Days on Market: 83 total (54 to contract, 29 to close) – 10 days longer than Aug. 2024

• Months of Inventory: 4.7 (up from 3.9 last year)

📍 Denton County

• Median Price: $435,000 (down 10.1%)

• Market Share: 29.4% of homes priced between $300K–$399K

• Active Listings: 5,450 (up 32.4%)

• Closed Sales: 1,267 (up 2.7%)

• Days on Market: 89 total (56 to contract, 33 to close) – 10 days longer than Aug. 2024

• Months of Inventory: 4.6 (up from 3.6 last year)

📍 Tarrant County

• Median Price: $350,000 (up 0.9%)

• Market Share: 32.6% of homes priced between $300K–$399K

• Active Listings: 7,146 (up 11.2%)

• Closed Sales: 1,984 (up 1.9%)

• Days on Market: 79 total (49 to contract, 30 to close) – 6 days longer than Aug. 2024

• Months of Inventory: 3.9 (up from 3.5 last year)

Multiple mid-2025 reads show inventory near or above ~5 months in parts of North Texas—more balanced than the last few years—giving buyers breathing room while keeping sellers focused on strategy.  Take a look at Metro Tex for more counties in and around DFW of Texas.   With the way the market was in  August 2025 and where interest rates are, here are some things a buyer and seller need to do to prepare themselves to start your home search:

BUYERS:

• Speak with a realtor and lender to start your pre approval process. 

• Make a list of your needs and wants along with the locations you desire to look at. 

SELLERS:

• Speak with a realtor to scheduke an appointment.

• Prepare your home to be listed (declutter, make can necessary repairs 

• Price to the current comps (not spring highs)

Mortgage rates have inched down from last year’s highs, and the Dallas–Fort Worth market is showing more balance with higher inventory and slightly softer prices. For buyers, that means more options and negotiating power—especially if you act before rates dip further and competition heats up. For sellers, the shift highlights the importance of pricing strategically and presenting your home at its best.

Whether you’re planning to buy or sell, staying ahead of the numbers is key. If you’d like a personalized breakdown of how today’s rates and local trends affect your next move, reach out—I’m here to guide you through every steps.

Disclaimer: Rates shown are national averages; your actual quote varies by credit, LTV, loan size, points, and program. Market stats are from the latest available monthly releases.