HAR Report: Affordability improved in 10 out of 12 months when comparing 2025 to 2024, assuming a 20 percent down payment on a median-priced home with monthly interest rates as reported by Freddie Mac. The typical homebuyer in December 2025 saw an $87.72 reduction in their monthly principal and interest payment compared to a consumer purchasing the same median-priced home in December 2024