08/25/2026
Let's do the math instead of the vibes.
This last week the 30-year fixed averaged 6.65%. A year ago it was 6.58%. So after twelve months of waiting for rates to come down β they're a touch higher than where they started.
But here's the part worth sitting with. Back in February, that same rate averaged 6.05%. The lowest it had been since August 2022.
If you were waiting for a better number, you already got one. It lasted a few weeks, and most people who were waiting didn't move on it, because it didn't feel like the bottom. It never does.
We're not saying that to make anyone feel behind. Plenty of good reasons to wait exist β your lot isn't ready, your budget isn't where you want it, life is full. Those are real.
"I'm waiting for rates" usually isn't one of them. Not because rates don't matter, but because nobody gets to see the bottom until it's already behind them.
The thing you can actually control is knowing your number. What a build really costs here, what it means monthly, whether it works. That's a five-minute answer, not a two-year one.
Our affordability calculator will get you there: trawickhomes.com/calculator
And if the number surprises you in either direction, call us. 573-722-2402.