If Americans weren’t buying homes when rates were at 4.25%, what happens now that rates have popped back to 5%? On Thursday, the average 30-year fixed-rate mortgage stood at 5.09% (with average fees equal to 0.28% of the loan amount), according to HSH.com, a financial publisher. That’s up from 4.8% last Friday. A separate survey from Freddie Mac said rates averaged 4.83% for the week ending Thursday (with average fees of 0.7%), and that’s up from a record low of 4.17% one month ago. Rising rates certainly doesn’t make it any easier for homeowners to sell.  But how much will it hurt?