{"id":24167,"date":"2026-01-28T15:00:00","date_gmt":"2026-01-28T22:00:00","guid":{"rendered":"https:\/\/movinghelpblog.uhaul.net\/?p=24167"},"modified":"2026-03-18T15:31:33","modified_gmt":"2026-03-18T22:31:33","slug":"federal-reserve-january-2026","status":"publish","type":"post","link":"https:\/\/www.movinghelp.com\/move\/federal-reserve-january-2026\/","title":{"rendered":"Federal Reserve:\u00a0Fed\u00a0Hold Interest Rates\u00a0at January Meeting"},"content":{"rendered":"\n<p>The Federal Reserve&nbsp;<a href=\"https:\/\/www.federalreserve.gov\/newsevents\/pressreleases\/monetary20260128a.htm\" target=\"_blank\" rel=\"noreferrer noopener\">announced<\/a>&nbsp;earlier&nbsp;Wednesday it&nbsp;would leave interest rates at 3.5&nbsp;to 3.75&nbsp;percent&nbsp;with no cuts coming after the two-day January meeting.&nbsp;The&nbsp;voting&nbsp;for the&nbsp;monetary&nbsp;policy&nbsp;rate&nbsp;to remain unchanged&nbsp;was 10-2.<\/p>\n\n\n\n<p>Federal Reserve Chair Jerome Powell&nbsp;announced&nbsp;the U.S. economy has expanded&nbsp;at a solid pace last year&nbsp;and entered the 2026 year on&nbsp;a \u201cfirm&nbsp;footing.\u201d&nbsp;At the same time, job gains were low, but&nbsp;the&nbsp;unemployment&nbsp;rate&nbsp;showed&nbsp;signs of&nbsp;stabilization.&nbsp;Inflation&nbsp;remains&nbsp;somewhat elevated, Powell said.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.movinghelp.com\/\">Moving Help\u00ae<\/a>&nbsp;will&nbsp;explain why the Federal Reserve came to this decision, and what it means for homebuyers who are looking to buy or sell a house&nbsp;in the near future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who&nbsp;Voted&nbsp;for&nbsp;and Against This&nbsp;Policy Rate?<\/h2>\n\n\n\n<p>The&nbsp;Federal Open Market Committee\u2019s vote&nbsp;was 10-2,&nbsp;with 10 members voting for the&nbsp;monetary&nbsp;policy&nbsp;rate&nbsp;to remain unchanged and to&nbsp;leave&nbsp;the target range for the federal funds rate at 3.5 to 3.75 percentage points.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">The FOMC decided to keep the federal funds rate at 3.5 percent to 3.75 percent. The vote was 10-2, with the two dissenting members wanting to lower the rate by 0.25 percentage points.<a href=\"https:\/\/twitter.com\/hashtag\/FederalReserve?src=hash&amp;ref_src=twsrc%5Etfw\">#FederalReserve<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/FOMC?src=hash&amp;ref_src=twsrc%5Etfw\">#FOMC<\/a><\/p>&mdash; Keenan Betz (@surebetkeenan) <a href=\"https:\/\/twitter.com\/surebetkeenan\/status\/2016595024772034815?ref_src=twsrc%5Etfw\">January 28, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p>The two dissenting members&nbsp;\u2014 Governors Stephen Miran and Christopher Waller \u2014&nbsp;preferred to lower the target range for federal funds rate by 0.25 percentage points during the January meeting.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Voting Member Name<\/th><th class=\"has-text-align-center\" data-align=\"center\">How Did They Vote?<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Jerome H. Powell, chair<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">John C. Williams, vice chair<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Michael S. Barr<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Michelle W. Bowma&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Lisa D. Cook<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Beth M. Hammack<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Philip N. Jefferson<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Neel Kashkari<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Lorie K. Logan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Anna Paulson<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Stephen I. Miran<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Christopher J. Waller<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Why No Cuts to Interest Rates?<\/h2>\n\n\n\n<p>Economic&nbsp;activity has expanded since the December meeting, but job gains were low, however. Additionally, inflation&nbsp;remains&nbsp;somewhat&nbsp;elevated&nbsp;since&nbsp;it\u2019s&nbsp;above the preferred 2.0 percent target.<\/p>\n\n\n\n<p>The data distortions from the government shutdown are going away, Powell said. The economic activity&nbsp;improved, and the labor market showed stabilization.&nbsp;Inflation&nbsp;performed&nbsp;about&nbsp;as expected, he said.<\/p>\n\n\n\n<p>This is the first pause on cutting rates after three consecutive cuts&nbsp;dating back to July&nbsp;2025.&nbsp;The committee had broad support for holding&nbsp;today,&nbsp;Powell said.&nbsp;Powell&nbsp;acknowledged&nbsp;the committee had&nbsp;dissents&nbsp;for another rate cut.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does the Future Hold?<\/h2>\n\n\n\n<p>The Federal Reserve\u2019s&nbsp;main dual mandate goals of maximum employment and stable prices for the benefit of the American people.<\/p>\n\n\n\n<p>A reporter asked whether unemployment and inflation were&nbsp;in&nbsp;balance.&nbsp;It\u2019s&nbsp;hard to say&nbsp;whether&nbsp;they\u2019re&nbsp;fully in balance,&nbsp;but&nbsp;they think their&nbsp;policy is in a good place, Powell said.<\/p>\n\n\n\n<p>&#8220;The upside&nbsp;risks to&nbsp;inflation and the downside risks to employment have&nbsp;diminished, but they still exist,\u201d&nbsp;he said. \u201cThere\u2019s still some tension between&nbsp;the&nbsp;mandates.\u201d<\/p>\n\n\n\n<p>Another reporter asked about&nbsp;the effects of&nbsp;tariffs&nbsp;and whether it already has moved through the U.S. economy, and Powell said it has moved through. He also was asked about&nbsp;what it means for goods and services.&nbsp;<\/p>\n\n\n\n<p>\u201cThese elevated readings largely reflect inflation in the goods sector, which has been boosted by the effects of tariffs,\u201d&nbsp;Powell&nbsp;said.&nbsp;\u201cIn contrast, disinflation appears to be continuing in the services&nbsp;sector.\u201d<\/p>\n\n\n\n<p>As far as the future, the Fed is open&nbsp;to cutting back&nbsp;on policy, but prices would need to fall&nbsp;for the Fed to loosen policy.&nbsp;We\u2019ll&nbsp;just have to see how the data leads&nbsp;us,&nbsp;he&nbsp;said.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does This Mean for Home Mortgage Rates?<\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile is-vertically-aligned-center\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"669\" src=\"https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/01\/Federal-Reserve-Jan2026-2.jpg\" alt=\"A man sits at a desk. A wooden house and a wooden percent sign rest on the table between the man\u2019s hands.\" class=\"wp-image-24164 size-full\" srcset=\"https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/01\/Federal-Reserve-Jan2026-2.jpg 1024w, https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/01\/Federal-Reserve-Jan2026-2-980x640.jpg 980w, https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/01\/Federal-Reserve-Jan2026-2-480x314.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>Because the Federal Reserve&nbsp;didn\u2019t&nbsp;cut interest rates,&nbsp;housing mortgage rates will continue to see similar rates recently.<\/p>\n\n\n\n<p>Housing mortgaging rates&nbsp;won&#8217;t&nbsp;see a rapid decline in interest rates. Even without the cut in interest rates, mortgage rates have been falling since December 2025, however.<\/p>\n\n\n\n<p>From Dec. 4, 2025, to Jan. 15, 2026, a 30-year mortgage rate has hovered between 6.06 percent to 6.19 percent, according to\u00a0<a href=\"https:\/\/www.freddiemac.com\/pmms\" target=\"_blank\" rel=\"noreferrer noopener\">Freddie Mac<\/a>.\u00a0The rate has been on a downward\u00a0trend since December 2025.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>During the same&nbsp;time frame, a 15-year mortgage rate has hovered between 5.38 percent to 5.54 percent, according to Freddie Mac.&nbsp;A 15-year mortgage rate has been on a downward trend as well but not as downward as a 30-year mortgage rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Does This Mean for People Looking to Move?<\/h3>\n\n\n\n<p>Housing mortgage rates are still higher than they were pre-pandemic.<\/p>\n\n\n\n<p>Housing mortgage rates for a 30-year&nbsp;loan&nbsp;and&nbsp;a&nbsp;15-year&nbsp;loan&nbsp;are still lower than the peak 7.79 percent 30-year mortgage rate and 7.03 percent 15-year mortgage rate in&nbsp;late October 2023.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other Federal Reserve News<\/h2>\n\n\n\n<p>President Donald Trump&nbsp;has been wanting the Federal Reserve to&nbsp;continue to lower rates.&nbsp;Powell and President Trump have&nbsp;publicly&nbsp;disagreed&nbsp;in recent months about cutting rates.<\/p>\n\n\n\n<p>Powell announced earlier this month he had been subpoenaed by the Department of Justice.<\/p>\n\n\n\n<p>During the press conference, a&nbsp;reporter asked&nbsp;Powell about his&nbsp;decision as to why he attended the oral arguments at the Supreme Court earlier this month in the Cook case.<\/p>\n\n\n\n<p>\u201cI will tell you why I attended,\u201d he said. \u201cI would say that, that case is&nbsp;perhaps the&nbsp;most important legal case in the Fed\u2019s 113-year history. And I, as I thought about it, I&nbsp;thought it might be hard to explain why I&nbsp;didn\u2019t&nbsp;attend.\u201d<\/p>\n\n\n\n<p>\u201cIn addition,&nbsp;Paul Volcker&nbsp;went to a Supreme Court case famously, in I guess 1985 or so, so it\u2019s precedented, and I thought it was an appropriate thing, and I did it,\u201d he said.<\/p>\n\n\n\n<p>Multiple reporters asked about his future, about whether he would stay on the Fed\u2019s Board of Governors, and about the Fed\u2019s independence. He either&nbsp;wouldn\u2019t&nbsp;comment on the question asked, or he&nbsp;referred to&nbsp;a previous&nbsp;statement.&nbsp;Additionally, he&nbsp;didn\u2019t&nbsp;have any&nbsp;new information&nbsp;as to whether he would remain as a governor on the Federal Reserve.<\/p>\n\n\n\n<p>Powell\u2019s term for chair ends May 15.<\/p>\n\n\n\n<p>Trump&nbsp;will pick his own person to&nbsp;replace Powell&nbsp;after the U.S. Senate confirms Trump\u2019s pick for chair.&nbsp;The list of candidates&nbsp;was&nbsp;11, and it has been narrowed&nbsp;to four candidates after&nbsp;Treasury Secretary Scott Bessent&nbsp;interviewed all the candidates.<\/p>\n\n\n\n<p>The final candidates&nbsp;are&nbsp;Kevin Hassett&nbsp;(director of&nbsp;National&nbsp;Economic Council), Kevin Warsh (former Fed governor), Rick Rieder (BlackRock CIO), and Waller, who voted for a rate cut at January\u2019s meeting.<\/p>\n\n\n\n<p>The next Federal Reserve meeting is scheduled for March 17-18,&nbsp;2026.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Federal Reserve&nbsp;announced&nbsp;earlier&nbsp;Wednesday it&nbsp;would leave interest rates at 3.5&nbsp;to 3.75&nbsp;percent&nbsp;with no cuts coming after the two-day January meeting.&nbsp;The&nbsp;voting&nbsp;for the&nbsp;monetary&nbsp;policy&nbsp;rate&nbsp;to remain unchanged&nbsp;was 10-2. Federal Reserve Chair Jerome Powell&nbsp;announced&nbsp;the U.S. economy has expanded&nbsp;at a solid pace last year&nbsp;and entered the 2026 year on&nbsp;a \u201cfirm&nbsp;footing.\u201d&nbsp;At the same time, job gains were low, but&nbsp;the&nbsp;unemployment&nbsp;rate&nbsp;showed&nbsp;signs of&nbsp;stabilization.&nbsp;Inflation&nbsp;remains&nbsp;somewhat elevated, Powell said. Moving [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":25675,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-24167","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moving-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Reserve:\u00a0Fed\u00a0Hold Interest Rates\u00a0at January Meeting - Moving Help\u00ae<\/title>\n<meta name=\"description\" content=\"The Fed announced earlier Wednesday it would leave interest rates at 3.5-3.75 percentage points with no cuts coming after its meeting.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movinghelp.com\/move\/federal-reserve-january-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Federal Reserve:\u00a0Fed\u00a0Hold Interest Rates\u00a0at January Meeting - 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