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Mortgage rates

Today's mortgage rates

National average rates on loans actually locked by borrowers, updated each business day. The latest figures are for Oct 1, 2026: the index is published a business day or two after the fact.

30-year fixed

7.37%

−0.02 from the day before

Past week

+0.12

percentage points

Past year

+1.11

range 5.90% to 7.39%

Payment on $250,000

$1,725

$186 a month more than a year ago

Loan typeRateDayWeekYear52-week rangePayment per $100,000
30-year fixed, conforming7.37%−0.02+0.12+1.115.90% – 7.39%$690
15-year fixed, conforming6.68%+0.06+0.16+1.085.23% – 6.68%$881
30-year fixed, FHA7.10%+0.00+0.14+0.985.84% – 7.10%$672
30-year fixed, VA7.00%−0.08+0.08+1.205.53% – 7.08%$666
30-year fixed, jumbo7.34%−0.02+0.09+0.746.10% – 7.56%$688

Source: Optimal Blue Mortgage Market Indices, retrieved from FRED, Federal Reserve Bank of St. Louis. Changes are in percentage points.

30-year fixed over the past year

Sep 2025Oct 20267.37%7.37%
30-year fixed conforming rate, weekly, past year
Sep 20256.27%
Sep 20256.21%
Sep 20256.30%
Sep 20256.31%
Oct 20256.29%
Oct 20256.22%
Oct 20256.15%
Oct 20256.12%
Nov 20256.21%
Nov 20256.18%
Nov 20256.24%
Nov 20256.14%
Dec 20256.21%
Dec 20256.24%
Dec 20256.17%
Dec 20256.14%
Jan 20266.12%
Jan 20266.02%
Jan 20266.10%
Jan 20266.07%
Feb 20266.10%
Feb 20266.03%
Feb 20265.98%
Feb 20265.90%
Mar 20266.06%
Mar 20266.21%
Mar 20266.36%
Mar 20266.49%
Apr 20266.38%
Apr 20266.27%
Apr 20266.19%
Apr 20266.25%
May 20266.31%
May 20266.33%
May 20266.50%
May 20266.51%
Jun 20266.47%
Jun 20266.50%
Jun 20266.45%
Jun 20266.50%
Jun 20266.45%
Jul 20266.57%
Jul 20266.54%
Jul 20266.63%
Jul 20266.67%
Aug 20266.65%
Aug 20266.65%
Aug 20266.68%
Aug 20266.66%
Sep 20266.78%
Sep 20266.88%
Sep 20267.01%
Sep 20267.24%
Oct 20267.37%

Freddie Mac weekly survey

Loan typeRateWeek
30-year fixed7.28%+0.25
15-year fixed6.60%+0.18

Week ending Oct 1, 2026. Source: Freddie Mac Primary Mortgage Market Survey, via FRED. It surveys a different mix of loans, so it differs from the daily index.

Buying a rental?

These are averages for homes people live in. Lenders price investment properties higher, so KZD underwrites rentals at the 30-year average plus 0.5 points: 7.87% today. You can change the rate on any analysis.

Mortgage CalculatorMax Offer at today's rate

These are national benchmarks, not offers of credit. The rate you are quoted depends on your credit, down payment, loan size, property type, points and lender, and can differ materially. KZD Realty is not a lender or a mortgage broker and does not take loan applications.