Mortgage rates today
The average 30-year fixed rate is 7.32%, down 0.08 points from last week, and the 15-year fixed is 6.68%. A year ago the 30-year was 6.19%.
- 30-year fixed
- 15-year fixed
Show the data as a table
| Week | 30-year fixed | 15-year fixed |
|---|---|---|
| Oct 22, 2026 | 7.32% | 6.68% |
| Oct 15, 2026 | 7.40% | 6.71% |
| Oct 8, 2026 | 7.40% | 6.73% |
| Oct 1, 2026 | 7.28% | 6.60% |
| Sep 24, 2026 | 7.03% | 6.42% |
| Sep 17, 2026 | 6.95% | 6.26% |
| Sep 10, 2026 | 6.76% | 6.09% |
| Sep 3, 2026 | 6.71% | 6.04% |
| Aug 27, 2026 | 6.66% | 5.98% |
| Aug 20, 2026 | 6.65% | 5.95% |
| Aug 13, 2026 | 6.67% | 5.96% |
| Aug 6, 2026 | 6.69% | 6.01% |
| Jul 30, 2026 | 6.66% | 6.04% |
| Jul 23, 2026 | 6.58% | 5.96% |
| Jul 16, 2026 | 6.55% | 5.93% |
| Jul 9, 2026 | 6.49% | 5.82% |
| Jul 2, 2026 | 6.43% | 5.79% |
| Jun 25, 2026 | 6.49% | 5.84% |
| Jun 18, 2026 | 6.47% | 5.81% |
| Jun 11, 2026 | 6.52% | 5.84% |
| Jun 4, 2026 | 6.48% | 5.79% |
| May 28, 2026 | 6.53% | 5.87% |
| May 21, 2026 | 6.51% | 5.85% |
| May 14, 2026 | 6.36% | 5.71% |
| May 7, 2026 | 6.37% | 5.72% |
| Apr 30, 2026 | 6.30% | 5.64% |
| Apr 23, 2026 | 6.23% | 5.58% |
| Apr 16, 2026 | 6.30% | 5.65% |
| Apr 9, 2026 | 6.37% | 5.74% |
| Apr 2, 2026 | 6.46% | 5.77% |
| Mar 26, 2026 | 6.38% | 5.75% |
| Mar 19, 2026 | 6.22% | 5.54% |
| Mar 12, 2026 | 6.11% | 5.50% |
| Mar 5, 2026 | 6.00% | 5.43% |
| Feb 26, 2026 | 5.98% | 5.44% |
| Feb 19, 2026 | 6.01% | 5.35% |
| Feb 12, 2026 | 6.09% | 5.44% |
| Feb 5, 2026 | 6.11% | 5.50% |
| Jan 29, 2026 | 6.10% | 5.49% |
| Jan 22, 2026 | 6.09% | 5.44% |
| Jan 15, 2026 | 6.06% | 5.38% |
| Jan 8, 2026 | 6.16% | 5.46% |
| Dec 31, 2025 | 6.15% | 5.44% |
| Dec 24, 2025 | 6.18% | 5.50% |
| Dec 18, 2025 | 6.21% | 5.47% |
| Dec 11, 2025 | 6.22% | 5.54% |
| Dec 4, 2025 | 6.19% | 5.44% |
| Nov 26, 2025 | 6.23% | 5.51% |
| Nov 20, 2025 | 6.26% | 5.54% |
| Nov 13, 2025 | 6.24% | 5.49% |
| Nov 6, 2025 | 6.22% | 5.50% |
| Oct 30, 2025 | 6.17% | 5.41% |
| Oct 23, 2025 | 6.19% | 5.44% |
| Oct 16, 2025 | 6.27% | 5.52% |
Source: Freddie Mac Primary Mortgage Market Survey (via FRED, series MORTGAGE30US and MORTGAGE15US), week of Oct 22, 2026.
Monthly payment at today's rates
| Loan amount | 30-year at 7.32% | 15-year at 6.68% | 30-year a year ago (6.19%) |
|---|---|---|---|
| $200,000 | $1,374 | $1,762 | $1,224 |
| $300,000 | $2,061 | $2,643 | $1,835 |
| $400,000 | $2,748 | $3,524 | $2,447 |
| $500,000 | $3,435 | $4,405 | $3,059 |
| $600,000 | $4,122 | $5,286 | $3,671 |
| $750,000 | $5,152 | $6,608 | $4,589 |
Principal and interest only, our calculation. Taxes, homeowners insurance, HOA dues and PMI are extra: add them in the mortgage calculator.
What today's rate means for a $400,000 loan
At 7.32%, a $400,000, 30-year mortgage costs about $2,748 a month in principal and interest, and $589,180 in interest over the full loan. A year ago, at 6.19%, the same loan was $2,447 a month, $300 less than today. A 15-year loan at 6.68% costs $3,524 a month but only $234,344 in total interest (all our calculation).
See what price fits your income in how much house can I afford, or whether owning beats renting in the rent vs buy calculator. Both use this week's rate automatically.
Common questions
What are mortgage rates today?
The average 30-year fixed mortgage rate was 7.32% and the 15-year was 6.68% in the week of Oct 22, 2026, per Freddie Mac's Primary Mortgage Market Survey.
Are mortgage rates going up or down?
This week the 30-year rate is down 0.08 points from the week before (7.40%). A year ago it was 6.19%. Over the last 12 months it ranged from 5.98% to 7.40%. Nobody can reliably predict next week's rate.
What is the monthly payment on a $400,000 mortgage?
About $2,748 a month in principal and interest on a 30-year loan at 7.32%, or $3,524 on a 15-year loan at 6.68% (our calculation). Property tax, insurance and any PMI come on top.
How much does 1 point on the rate change my payment?
On a $400,000, 30-year loan, 6.32% instead of 7.32% lowers principal and interest by about $267 a month, or $95,981 over the full loan (our calculation).
Is my rate going to be the same as the average?
Not exactly. Freddie Mac's survey covers conventional, conforming loans for borrowers who put 20% down and have excellent credit. Your rate depends on your credit score, down payment, loan type and points, so compare offers from several lenders on the same day.
How often are mortgage rates updated?
Freddie Mac publishes its survey every Thursday at noon Eastern. This page rebuilds every morning, so it shows the new figure the day it comes out.
Rates are averages from Freddie Mac's Primary Mortgage Market Survey, published each Thursday. General information, not financial advice.
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