30-YR FIXED6.55%▲ +0.0615-YR FIXED5.93%▲ +0.1110-YR TREASURY4.57%▲ +0.0230-YR TREASURY5.09%▲ +0.015-YR TREASURY4.28%▲ +0.022-YR TREASURY4.16%▲ +0.03FED FUNDS3.75%▬ 0.00SOFR3.62%▼ -0.02DOW52,146▼ -407S&P 5007,458▼ -76Freddie Mac · U.S. Treasury · Federal Reserve via FRED®30-YR FIXED6.55%▲ +0.0615-YR FIXED5.93%▲ +0.1110-YR TREASURY4.57%▲ +0.0230-YR TREASURY5.09%▲ +0.015-YR TREASURY4.28%▲ +0.022-YR TREASURY4.16%▲ +0.03FED FUNDS3.75%▬ 0.00SOFR3.62%▼ -0.02DOW52,146▼ -407S&P 5007,458▼ -76Freddie Mac · U.S. Treasury · Federal Reserve via FRED®
Sunday, July 19, 2026Bay Area Market: Coverage updated daily

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The Bay Area Real Estate Journal

The Pulse of the Real Estate Market

DevelopingAustin Holds the Crown for New Grads in 2026Black-White Mortgage Denial Gaps are Widest Where Applicants are Most Financially StretchedStarter Homes That Cost $1M Have Spread to More Than Half of StatesJune FOMC meeting: Fed Pauses, but Rate Hikes Are Back on the TableNearly 3 in 4 rental listings are considered affordable, the highest for May in years (May Rent Report)

Mortgage Rates Remain Elevated as Cooler Inflation Meets Renewed Oil Risks

In short: Mortgage rates are caught between cooler inflation data and renewed energy risks. Softer June inflation reduced the likelihood of a near-term Federal Reserve rate increase, but higher oil prices are keeping pressure on the inflation outlook and borrowing costs. Mortgage rates remain elevated as inflation relief met renewed energy risks Two opposing forces…

Curated & analyzed by Omar Murillo, Everhome Real Estate · CA DRE #01244077  |  Published July 19, 2026  |  1 min read  |  Coverage: Bay Area
Curated News BriefBased on original reporting by Zillow Research (July 15, 2026). The summary below is the Journal’s; the local analysis is original commentary by Omar Murillo.

In short: Mortgage rates are caught between cooler inflation data and renewed energy risks. Softer June inflation reduced the likelihood of a near-term Federal Reserve rate increase, but higher oil prices are keeping pressure on the inflation outlook and borrowing costs. Mortgage rates remain elevated…

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This is a Journal news brief. For how this story applies to your specific situation, talk with Omar Murillo.

Source & AttributionOriginal story: “Mortgage Rates Remain Elevated as Cooler Inflation Meets Renewed Oil Risks” — Zillow Research, July 15, 2026. Read the full article at the source. Commentary and Bay Area analysis on this page are original to The Bay Area Real Estate Journal.

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Omar Murillo, Everhome Real Estate

Omar Murillo

Broker & Co-Founder · Everhome Real Estate · CA DRE #01244077

Omar Murillo is a Fremont native and Bay Area real estate broker with 28 years in the business, and co-founder of Everhome Real Estate, an 18-agent brokerage serving the SF Bay Area and Silicon Valley. He covers the Fremont, Tri-City, East Bay, and Silicon Valley housing markets with particular focus on listing strategy, property preparation, and negotiation.

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