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You Bought Your House in 2021 With a 3% Mortgage: What Would It Cost to Buy the Same House Today?

Evan Morgan

If you bought a home in 2021 and locked in a mortgage rate around 3%, your monthly payment may look surprisingly affordable compared with what a buyer would face today. Mortgage rates fell below 3% during parts of 2021, creating an unusually favorable borrowing environment that millions of homeowners still benefit from. By September 17, 2026, Bankrate reported an average 30-year fixed mortgage rate of

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