U.S. mortgage rate history
Weekly Freddie Mac averages, refreshed automatically every day. Last update: October 8, 2026.
Monthly trend — last 24 months
Yearly averages (30-year fixed)
| Year | 30-year fixed | 15-year fixed |
|---|---|---|
| 2023 | 7.26% | 6.58% |
| 2024 | 6.72% | 5.96% |
| 2025 | 6.6% | 5.78% |
| 2026 | 6.46% | 5.8% |
Recent monthly averages
| Month | 30-year fixed |
|---|---|
| 2025-05 | 6.82% |
| 2025-06 | 6.82% |
| 2025-07 | 6.72% |
| 2025-08 | 6.59% |
| 2025-09 | 6.35% |
| 2025-10 | 6.25% |
| 2025-11 | 6.24% |
| 2025-12 | 6.19% |
| 2026-01 | 6.1% |
| 2026-02 | 6.05% |
| 2026-03 | 6.18% |
| 2026-04 | 6.33% |
| 2026-05 | 6.44% |
| 2026-06 | 6.49% |
| 2026-07 | 6.54% |
| 2026-08 | 6.67% |
| 2026-09 | 6.86% |
| 2026-10 | 7.34% |