U.S. borrowing cost hits 5%, making home loans pricier

5% is the headline: on Sept 14, 2026, the U.S. government's cost to borrow for 10 years hit 5%, multiple outlets reported. The Wall Street Journal reported average 30-year home-loan rates ticked up. Think of it as a benchmark: I'd watch where it settles, not a momentary spike — that decides what homebuyers pay.