Manage home loan prices go down during the a depression? 2019 As opposed to what of several experts forecast, mortgage costs fell in the 2019. For the 2018, economists estimated that mortgage costs would rise to 5.5%. But not, mortgage costs went off 4.54% inside 2018 to three.94% next year. New monthly rates having a mortgage away from $two hundred,000 at that rates is $948.