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Mortgage Rates Today

30-year fixed 7.32%, 15-year fixed 6.68% on average for the week of 10/22/2026.

30-year fixed
7.32%
-0.08 vs last week
15-year fixed
6.68%
-0.03 vs last week
30-year a year ago
6.19%
+1.13 since then
52-week range
5.98% to 7.40%
30-year fixed

Rate history

Weekly averages. Hover or tap the chart for any week.

30-year fixed15-year fixed

Weekly rates

The last 12 weeks

Week of30-yearChange15-yearChange
10/22/20267.32%-0.086.68%-0.03
10/15/20267.40%0.006.71%-0.02
10/08/20267.40%+0.126.73%+0.13
10/01/20267.28%+0.256.60%+0.18
09/24/20267.03%+0.086.42%+0.16
09/17/20266.95%+0.196.26%+0.17
09/10/20266.76%+0.056.09%+0.05
09/03/20266.71%+0.056.04%+0.06
08/27/20266.66%+0.015.98%+0.03
08/20/20266.65%-0.025.95%-0.01
08/13/20266.67%-0.025.96%-0.05
08/06/20266.69%+0.036.01%-0.03

Monthly payment calculator

Starts with this week's average 7.32% rate. Change any number.

Loan term

Estimated monthly payment

$2,715

  • Principal and interest$2,198
  • Property tax$367
  • Home insurance$150
Loan amount
$320,000
Total interest
$471,344

An estimate only. PMI is assumed at 0.5% of the loan per year when the down payment is under 20%. Your rate depends on credit, points and lender.

Average rate by year

Mean of the weekly averages

Year30-year15-year
2026(42 weeks)6.50%5.85%
20256.60%5.78%
20246.72%5.96%
20236.81%6.11%
20225.34%4.58%
20212.96%2.27%
20203.11%2.60%
20193.94%3.39%
20184.54%4.00%
20173.99%3.27%
20163.65%2.93%
20153.85%3.09%
20144.17%3.29%
20133.98%3.10%
20123.66%2.93%
20114.45%3.68%
20104.69%4.10%
20095.04%4.57%
20086.03%5.62%
20076.34%6.03%
20066.41%6.07%
20055.87%5.42%
20045.84%5.21%
20035.83%5.17%
20026.54%5.98%
20016.97%6.50%
20008.05%7.72%
19997.44%7.06%
19986.94%6.59%
19977.60%7.13%
19967.81%7.32%
19957.93%7.48%
19948.38%7.89%
19937.31%6.82%
19928.39%7.94%
19919.25%8.40%
199010.13%-
198910.32%-
198810.34%-
198710.21%-
198610.19%-
198512.43%-
198413.88%-
198313.24%-
198216.04%-
198116.64%-
198013.74%-
197911.20%-
19789.64%-
19778.85%-
19768.87%-
19759.05%-
19749.19%-
19738.04%-
19727.38%-
1971(40 weeks)7.54%-

About these rates

These are national averages from Freddie Mac's Primary Mortgage Market Survey, released every Thursday. They reflect rates on conventional, conforming home purchase loans for borrowers who put 20% down and have excellent credit.

Mortgage rates tend to follow the 10-year Treasury yield, which moves with inflation and expectations for Federal Reserve policy. The rate you are offered can be higher or lower depending on your credit score, down payment, loan type, points and lender.

A 15-year loan usually has a lower rate and much less total interest, but a higher monthly payment than a 30-year loan for the same amount.

Frequently asked questions

What is the average 30-year mortgage rate today?
The average 30-year fixed rate was 7.32% for the week of 10/22/2026, according to Freddie Mac. The 15-year fixed averaged 6.68%.
Are mortgage rates going up or down?
The 30-year rate moved -0.08 points from the week before and +1.13 points from a year earlier.
What is the lowest mortgage rate on record?
The lowest weekly 30-year average in this data is 2.65% (week of 01/07/2021). The highest is 18.63% (week of 10/09/1981).
When are new mortgage rates published?
Freddie Mac publishes its weekly survey every Thursday at noon Eastern Time, except some holiday weeks.

Source: Freddie Mac Primary Mortgage Market Survey, via FRED, Federal Reserve Bank of St. Louis ยท Last updated 10/22/2026