US 30-year mortgage rate

7.40% on 15 Oct 2026, unchanged from 7.40% on 8 Oct 2026.

Weekly · % · 6.30% a year earlier · Updated 12 hrs ago

Range, past 10 years52-week and 10-year range The lowest and highest values over a period, with a marker for where the latest value sits between them. Learn more: 2.65% 7 Jan 20217.79% 26 Oct 2023
Over 3 monthsYear on year, month on month, quarter on quarter How a figure compares with the same period a year earlier (y/y), or with the period just before (m/m, q/q). Year-on-year removes seasonal swings; shorter comparisons show turning points sooner. Learn more: +0.91 ptsfrom 6.49%
Over 12 monthsPercentage points and basis points The difference between two percentages. A rate rising from 4.00% to 4.25% is up 0.25 percentage points, or 25 basis points; it is not up 0.25%. Learn more: +1.10 ptsfrom 6.30%
Long-run averageLong-run average The average of every reading in the series' history. A rough guide to what is normal, though economies change and some series never return to their old average. Learn more: 5.32%since 1999
Against its historyPercentile against history Where the latest reading ranks among every reading since the series began. The 90th percentile means it is higher than 90% of past readings. Learn more: 94thpercentile: higher than 94% of readings since 1999

HistorySeasonally adjusted A figure with the regular calendar pattern removed (Christmas, school holidays, harvests), so one month can be compared fairly with the next. Learn more

%, weekly

2.04.06.08.014 Oct 202118 Apr 202415 Oct 2026

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The latest 24 readings in this range.

The average rate on a 30-year fixed US home loan, from Freddie Mac's weekly survey.

Sets what Americans can afford to borrow, and so the pace of home sales and building.