Numbers to Know 3/23/26: Why Mortgage Rates Are Rising Again
This is the latest in a series of videos with Windermere Principal Economist Jeff Tucker, where he delivers the key economic numbers to follow to keep you well-informed about what’s going on in the real estate market.

The first news this week is that the Federal Reserve did not cut interest rates at their meeting on March 18. Moreover, at the press conference following their meeting, Jerome Powell said they would not resume cutting interest rates this year until they saw some progress on inflation coming down further. For some insight into WHY that happened, our first number to know this week is 3%: that is where the Fed’s preferred inflation index has been heading in recent months. The Personal Consumption Expenditures price index normally runs a little cooler than the more well-known CPI inflation rate, and so the recent data showing the PCE inflation rate climbing toward 3% is giving the Fed even more of a reason to stop cutting rates than the benign CPI data this winter might have suggested.

Our second number to know: about $100. That is the ballpark for what a barrel of oil is now costing on major world benchmarks, up more than 50% from prices under $60 just a few short months ago. The culprit, of course, is the war on Iran and the resulting cutoff of most oil normally shipped from the Persian Gulf. This is a volatile, unpredictable situation where the news may change at any time, but for now, the impact is clear: higher costs for almost everything in the economy, as the higher cost of energy ripples out through the economy. That is a major source of concern about inflation this year, which Jerome Powell cited ON TOP OF lingering tariff inflation, as a reason to wait and see before cutting rates any further.

So our third number to know: mortgage rates back closer to 6 and a quarter percent, or higher. At the end of February we hit a major milestone: 30-year mortgage rates dipped below 6% for the first time in 41 months. But all the bad news I just shared about persistent inflation, especially driven by the new oil crisis, has sent mortgage rates soaring back up by a quarter point or more. That will throw a damper on home buying demand this spring, on top of the negative effects from higher gas prices and lower consumer confidence.

Speaking of the housing market, we saw 928 thousand active listings at the end of February, barely below where inventory stood at this time 6 years ago on the eve of the pandemic, and about 8% more than last year.

That marks yet another month where inventory is up year-over-year, but at a decelerating rate, ever since last May. Putting it all together, that means buyers will have more options in this spring buying season than in any recent year, but they should not expect a glut. The spring selling season always sees fierce competition for competitively-priced listings in desirable locations, so buyers should be prepared to move decisively if they see their dream homes, while sellers should do whatever they can to make their homes stand out amid the tide of other listings.
The Power of a 30-Second First Impression: Why Reels Are the New Curb Appeal
In real estate, we all know how important first impressions are. For decades, curb appeal has been the gold standard for catching a buyer’s attention—but today, those first impressions are happening online, often in under 30 seconds. As more buyers scroll listings on their phones or stumble across homes on social media, video has become one of the most powerful tools in a listing agent’s toolkit.
Enter: Reels.
Reels have completely redefined how we make an impact online. With a single scroll-stopping clip, you can showcase the flow of a home, highlight its best features, and spark an emotional connection long before a showing is ever scheduled. Where we used to say, “Make them fall in love in the driveway,” now we’re saying, “Make them fall in love on their For You Page.”
Why Reels Matter in Real Estate
Short-form video is dominating the digital space, and real estate is no exception. According to recent reports, Instagram Reels receive 22% more engagement and twice the visibility of any other content type. That means more views, more saves, more shares, and more potential buyers seeing your listing.
Even more compelling? Most users decide whether to keep watching in the first 3 seconds. In a market where timing matters and attention is limited, that makes every second count.
With Reels, you’re not just marketing a home—you’re creating an experience, expanding your reach, and showing up exactly where today’s buyers are: on mobile, on social, and online.
The Language of Social Media, Decoded
If you’re new to the social media space, all the jargon can feel overwhelming. Here’s a quick guide to the terms that matter most:
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Impressions: How many times your content was shown, even if the same person views it multiple times
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Reach: The total number of unique people who saw your content
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Interactions: The real engagement, including likes, comments, shares, and saves
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Engagement rate: A measure of how much people are interacting with your posts
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Social reading: The process of learning from performance to see what’s working, what’s not, and how to pivot
Understanding these numbers helps you make informed choices about what to post and when—turning social into a strategic tool, not just a to-do list.
How a Reel Can Boost a Listing
Reels help your listing show up where buyers already are: scrolling, saving, and planning their next move. Photos can showcase a home’s style, but video brings it to life. A reel allows buyers to experience the home’s layout, lighting, and feel—something static images can’t always convey. Think of reels as a guided tour that lives right on their screen.
When your reel helps someone imagine themselves living there, you create something powerful: connection. And that leads to more views, more clicks, more showings, and ultimately, more offers.
Tips for Creating Scroll-Stopping Reels
You don’t need to be a content creator to make an impact. Here’s a checklist for effective real estate reels:
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Keep it short—ideally under 30 seconds
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Use trending or high-quality audio (voiceovers or music)
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Open with movement or your most impressive feature
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Use on-screen text to highlight what viewers are seeing
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End with a CTA (“Message me for a private tour”)
Pro tip: Reels with trending audio, natural lighting, and a clear opening shot perform best. Start strong and guide the viewer through the story of the home.
Reels = Results
We’ve already seen how reels are helping agents across the industry expand their reach. One well-timed reel can:
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Double the impressions of a standard photo post
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Attract new buyers who weren’t actively looking but got inspired
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Drive traffic from Instagram and Facebook directly to a listing
The best part? Reels often reach people who don’t even follow your account—giving your listing even more visibility.
Social Is the New Curb Appeal
Today’s buyers are online. They’re discovering homes through hashtags, algorithms, and short-form video. That’s why investing in reels isn’t just smart—it’s strategic. Whether you’re showcasing a cozy condo, a luxury estate, or a hidden gem with a killer view, reels help you tell the story of the home in a way that resonates.
Ready to make your home stand out? Connect with a Windermere agent who understands how to market your home in today’s digital world.
Top Home Design Trends to Know in 2026
Design trends have always reflected more than style. They reflect how people want to live. And as we move into 2026, home design continues to shift away from one-size-fits-all aesthetics and toward spaces that feel intentional, expressive, and more personal.
After several years shaped by minimalism, fast trends, and highly curated interiors, homeowners are now prioritizing warmth, character, and longevity, creating environments that support everyday life. That shift is reflected across design forecasts, color reports, and industry insights, where a few defining themes continue to show up. These are the top interior design trends shaping homes in 2026 and how they translate into real, livable spaces.
Lived-In, Layered Interiors
In recent years, many interiors have leaned towards polished, photo-ready spaces that always look perfect. In 2026, that approach continues to soften, and perfection takes a back seat to personality.
Layered, collected interiors are leading the way. Spaces that look as though they have come together over time feel warmer and more inviting. Mixing vintage with new pieces, displaying meaningful objects, and creating soft structure through books, art, textiles, and ceramics adds depth and story. A worn wood table, a reupholstered vintage chair, or a gallery wall that grows naturally gives a home character that can’t be replaced overnight.

Rich, Grounding Color Palettes
Color continues to shape how a home feels, and 2026 paint color trends lean into depth with a calming edge. Think nature-inspire tones like smoky blues, warm browns, muted reds, and softened neutrals that ground a room without feeling heavy.
Behr’s 2026 Color of the Year, Hidden Gem, fits beautifully into this direction. It’s a smoky green-blue that feels rich yet refined, perfect for homeowners who want a space that’s serene yet still has presence. Similar color stories are appearing across other forecasts too, from patina-inspired blues, greens, and browns to warm khakis and layered whites.

Color Drenching and Moody Rooms
If you’re seeing more immersive, saturated rooms online, that’s no accident. Color drenching, which uses a single hue across walls, trims, and sometimes ceilings, continues to rise as one of the standout interior design trends in 2026. When done thoughtfully, it creates a cocoon-like effect that feels polished, intimate, and cohesive.
This is also part of a broader shift toward moodier spaces. Deeper greens, tobacco-inspired browns, warm blacks, and earth reds are showing up in dining rooms, powder baths, offices, and libraries. The key is balance—pairing saturated color with warm wood, soft lighting, and texture to keep the room inviting.
Warm Woods and Character Grain
Wood is making a confident return in 2026, but not in a shiny, match-everything way. Interiors now favor deeper stains, visible grain, and pieces with real character. Reclaimed materials, vintage finds, and finishes that show variation all add warmth and depth.
This shows up in kitchens, furniture, and architectural details like beams, built-ins, and trim. If you’re bringing wood into your home, Minwax’s 2026 Stain Color of the Year, Special Walnut, fits the mood: a warm, versatile brown that enhances natural grain and works across styles from modern to traditional.
Paired with stone, linen, and even metal, wood brings warmth and timelessness—two qualities today’s buyers tend to notice immediately when they walk into a home.
Texture as the New Luxury
Another defining shift in home décor trends for 2026 is the return of texture, especially tactile, handcrafted, and visually soft elements. Textile wall hangings, tapestries, layered rugs, and subtle decorative trims like fringe and tassels are making an easy way to add depth without clutter. You don’t need to go maximal to make it work. A fabric panel hung like art, a woven wall piece, or even vintage textiles repurposed as décor can make a space feel warmer and more grounded. In a world that often feels overly digital, texture brings a human, lived-in quality that’s hard to fake.

Function Forward Design
Function continues to shape design decisions in 2026. Modular furniture, flexible layouts, and thoughtful storage solutions are becoming more prevalent as homes are expected to support multiple roles. Benches with hidden storage, ottomans that double as work surfaces, and adaptable seating arrangements allow spaces to shift easily between hosting, working, and relaxing.
Sustainability as the Standard
Sustainability is no longer a niche consideration. In 2026, it’s an expectation. It shows up in material choices, sourcing, and the lifespan of the pieces we bring into our homes. Homeowners are paying close attention to upgrades that support energy efficiency and long-term livability.
At the same time, thrifting and buying secondhand continue to grow across age groups, driven by both environmental awareness and the search for higher-quality materials. Vintage and antique furniture often offers better craftsmanship and longevity than mass-produced alternatives, while adding instant character to a space.
Whether you’re updating a room or thinking about your next move, these trends offer a thoughtful lens for creating a home that feels both current and enduring.
Connect with a Windermere agent today to talk about your next move and how to design a home that fits the way you live.
What Is Foursquare Architecture? A Guide to Prairie Box Homes
If you’ve ever walked through an older neighborhood and felt drawn to a home that looks balanced, practical, and quietly confident, you were likely looking at an American Foursquare. Sometimes called a Prairie Box or Prairie Cube, this architectural style is one of the most straightforward designs in the American architectural tradition, and one of the most enduring.
Popular from the late 1890s through the 1920s, the Foursquare emerged during a time when ornate Victorian homes dominated the landscape. In contrast, these homes favored simplicity, efficiency, and sold craftsmanship. Influenced by the Prairie and Arts and Crafts movements, the Foursquare prioritized thoughtful design over decoration, making it both practical and approachable.
A Shape That Works
True to its name, the Foursquare is defined by its box-style construction. The home’s nearly square footprint creates a symmetrical form, with rooms occupying each quadrant. Most Foursquares are two to two-and-a-half stories tall, with the half story tucked into a spacious attic. This efficient layout was intentionally designed to make the most of smaller lot sizes while still providing generous living space.
Rooflines, Porches, and Presence
A low-pitched hipped roof is one of the most recognizable features of a Foursquare home. The roof slopes evenly on all four sides, often forming a pyramid shape, and is frequently paired with a central dormer window that brings light and air into the attic level.
Many Foursquares also feature a covered front porch—sometimes spanning the full width of the home—supported by simple columns. These porches extend the living space outdoors and give a home a welcoming, grounded presence on the street.
Materials and Details
Building materials for Foursquare homes vary by region, with brick and wood being the most common. While the exterior design remains restrained, later models often incorporate Arts and Crafts details, especially inside the home. Built-in shelves, benches, bookcases, and window seats add warmth and function without excess ornamentation.
Inside the Foursquare
The interior layout reflects the same efficiency seen on the exterior. Traditionally, the main floor contains shared living spaces such as the living room, dining room, kitchen, and entryway, while bedrooms are located on the second floor. Hallways are minimal, and because each room typically sits at a corner of the home, natural light enters from multiple directions, a detail that homeowners still appreciate today.
Why Foursquare Homes Still Matter
More than a century later, American Foursquare homes remain highly desirable for their smart layouts, timeless proportions, and understated character. They’re homes designed to work well, on their lots, in their neighborhoods, and in everyday life. That kind of thoughtful simplicity never goes out of style.
Refinance or Sell? Making the Right Move for Your Home
Homeownership isn’t a one-size-fits-all, and neither are the financial decisions that come with it. At some point, many homeowners reach a familiar fork in the road: Should I refinance my mortgage, or is it time to sell?
The right answer depends on a mix of factors, including your financial health, today’s interest rate environment, your home’s equity, and where you see yourself and your household in the next few years. Let’s walk through both options so you can decide what makes the most sense for you, not just on paper, but in real life.
Refinancing vs. Selling
If your current mortgage no longer feels like the right fit, you generally have two paths forward: refinancing or selling. Refinancing your home allows you to renegotiate the terms of your existing loan, potentially changing your interest rate, loan term, or monthly payment. Selling, on the other hand, can free up equity and open the door to your next chapter. So, how do you decide between the two? The key is to understand what each one offers and what it requires so you can move forward with confidence.
Refinancing Your Home
There are a few reasons homeowners typically refinance their mortgages, the most common being falling interest rates. Lower interest rates after a mortgage reassessment translate into lower monthly payments and significant savings over the life of the loan. If your finances have improved since you initially secured your mortgage—for example, your debt-to-income ratio has improved, or you’ve bumped up your credit score—you may be able to lock in a better rate with your lender. Refinancing your home could also put cash in your pocket. “Cash-out refinancing” allows you to accept a mortgage for more than your principal balance and use the extra money at your discretion. Typically, homeowners will use such funds for significant expenses, such as a major renovation or home improvement project.
Homeowners with Adjustable-Rate Mortgages (ARMs) often refinance into a Fixed-Rate Mortgage to lock in a stable rate for the remainder of the loan term.
Refinancing can also change the length of your loan. Moving from a 30-year mortgage to a 15-year term may reduce the total interest you pay over time, while extending a loan term can lower monthly payments if cash flow is a concern. As with most financial decisions, it’s about balance and knowing the tradeoffs.
Keep in mind that refinancing your home involves getting a new mortgage, so you’ll have to go through the qualification process again. Assess your financial health and equity before you apply. Once you’re ready to move forward, your Windermere agent can recommend a few trusted lenders or mortgage brokers to provide you with a quote.
Selling Your Home
Selling your home is a bigger shift—but sometimes it’s the right one. If your home no longer fits your lifestyle, or if you’re sitting on significant equity, selling can provide financial flexibility to move forward on your terms. Your agent will start by conducting a Comparative Market Analysis (CMA) to determine your home’s value, taking into account current market conditions, location, seasonality, and your home’s unique features.
Although you stand to receive a lump-sum cash payment, selling your home comes with its own set of costs. Paying for repairs, home inspections, staging expenses, agent commissions, not to mention buying or renting your next home, as well as moving fees. This can add up, so it’s important to budget appropriately. Selling your home also means you’ll be uprooting the life you and your household have established there, so it’s necessary to have a plan for your next steps before the “For Sale” sign goes in the ground.
For personalized guidance on selling or refinancing, connect with a Windermere agent today:
Does Home Staging Really Work? What Sellers Should Know
For more than 20 years, the benefits of home staging have been well documented. Countless studies have shown that staging helps homes sell more quickly, and often for a higher price. According to the National Association of REALTORS®, 30 percent of agents reported that staging led to a 1 to 10 percent increase in the dollar value offered by buyers, and nearly half of sellers’ agents said staging helped reduce the time on market. Studies also indicate that buyers can generally decide if they’re interested within the first 30 seconds of seeing a home.
Staging is all about creating a welcoming, move-in-ready atmosphere. It helps buyers picture themselves in the space, highlights your home’s best features, and minimizes anything that might distract from its potential. From small styling updates to full furniture placement, staging can make a big difference in how your home is perceived and how it performs on the market.
If you’re planning to sell, here’s why staging is still one of the smartest strategies you can use and how to make the most of it.
A Strong First Impression Starts Online
In 2023, the National Association of REALTORS® Generational Trends Report revealed that 96 percent of buyers now rely on the internet to search for their next home. And in a market where most buyers begin their home search online, how your home looks and feels from the start has never been more important. Your online photos, videos, and virtual tours should make buyers want to see more. Staging helps make that possible by photographing better, helping rooms look more spacious and inviting, and encouraging buyers to take the next step.
Thanks to newer tools like virtual staging and AI design platforms, sellers have more options than ever to enhance their home’s online presence. These can be especially helpful for vacant homes or spaces that are difficult to define, giving buyers a sense of scale, purpose, and warmth before setting foot in the front door.
What Rooms Matter Most?
Not every room in your home needs to be staged, but some have more influence on buyers than others. 37 percent of buyer’s agents say that the living room is the most important room to stage, followed by the primary bedroom at 34 percent, and the kitchen at 23 percent. These are the spaces where people imagine themselves spending the most time, relaxing, hosting, and settling into daily life.
Staging can also be especially helpful in vacant rooms or uniquely shaped rooms. A few well-placed pieces of furniture can help define how the space might be used and create a natural flow from room to room. When these rooms feel welcoming and well put together, buyers are more likely to see the home as a fit for their lifestyle. A little extra effort in the right spaces can go a long way toward making that connection.
Clear, Clean, and Clutter-Free
To further inspire buyers to imagine the space as their own, make sure every room—including closets and the garage—is clean and clutter-free. You may even want to hire professionals to give your home a thorough deep clean.
Family photos, personal memorabilia, and collectibles should be removed from the home for your safety. Closets, shelves, and other storage areas should be mostly empty. Workbenches should be free of tools and projects. Clear the kitchen counters, store non-necessary cookware, and remove magnets from the refrigerator door.
The same goes for furniture. If removing a chair, a lamp, a table, or other furnishings will make a particular space look larger or more inviting, then do it.
You don’t want your home to appear cold, unloved, or unlived-in, but you do want to remove distractions and provide prospective buyers with a blank canvas of sorts. Plus, de-cluttering your home now will make it that much easier to pack when it comes time to move.
Neutralize and Brighten
Every home is a personal expression of its owner. But when you become a seller, you’ll want to look for ways to make your home appeal to your target market. Keep in mind, your target market is the group of people most likely to be interested in a home like yours, which your agent can help you determine.
A good strategy for staging your home is to “neutralize” the design of your interior. A truly neutral interior design allows people to easily imagine their own belongings in the space—and to envision how some simple changes would make it uniquely their own.
Paint over bold wall colors with something more neutral, like a light beige, warm gray, or soft brown. The old advice used to be, “paint everything white,” but often that creates too sterile an environment, while dark colors can make a room look small, even a bit dirty. Muted tones and soft colors work best. Likewise, consider removing wallpaper if it’s a bold or busy design.
Lighting is key. Replace heavy, dark curtains with neutral-colored sheer versions; this will soften the hard edges around windows while letting in lots of natural light. Turn on lamps, and if necessary, install lighting fixtures to brighten any dark spaces—especially the entry area.
A Smart Investment with Lasting Impact
Staging is a powerful advantage when selling your home, but that’s not the only reason to do it. Staging uncovers problems that need to be addressed, repairs that need to be made, and upgrades that should be undertaken. Staged properties are more inviting, and that inspires the kind of peace of mind that gets buyers to sign on the dotted line. In the age of social media, a well-staged home is a home that stands out, gets shared, and sticks in people’s minds.
What’s more, the investment in staging can bring a higher price. According to the National Association of REALTORS®, the average staging investment is between 1 percent and 3 percent of the home’s asking price, and typically generates a return of 8 to 10 percent.
In short, with less time on the market and higher selling prices, the small cost of staging your home is a wise investment.
Where to Start
If you’re concerned about the additional cost of staging, rest assured. Even a relatively small investment of time and money can reap big returns. There are even things you can do yourself for little to no cost. Contact your agent for advice on how to stage your home most effectively or for a recommendation on a professional stager. While the simple interior design techniques outlined above may seem more like common sense than marketing magic, you’d be surprised at how many homeowners routinely overlook them. And the results are clear: staging your house to make it more appealing to buyers is often all it takes to speed the sale and boost the sale price.
Thinking about selling your home? Connect with a Windermere agent to learn more about staging and how it can help you get the best possible results.
