impact on average people with the situation of stock marketing

What you may be asking is, how does the stock market affect interest rates. A better tool to watch is the 10-year maturity Treasury Note rate. You will find that in the financial section of most major newspapers, or check out Bloomberg.com, There is a saying in the mortgage industry, "As goes the the 10-year note, so go interest rates". Watch to see how accurate this is.

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If you're asking about mortgage interest rates and the stock market, typically a good indication is the 10 yr. Treasury Note rate.

Please re ask the question in a diffrent form to clarify what you are asking