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Mortgage rates
Today's average mortgage rates
National averages for borrowers with strong credit and 20% down, updated weekly. Use them as a benchmark, then compare real quotes from lenders in your state.
30-year fixed, past year
Low 5.98% · High 7.40%
Week of October 8, 2026. Source: Freddie Mac Primary Mortgage Market Survey. Averages, not offers. Your rate depends on your credit, down payment, loan and lender.
Get quotes from lenders in your state
Rates are set lender by lender, and they vary by state. Answer a few questions and we'll match you with a lender or broker who can quote you directly. Checking won't affect your credit score.
Why your rate may differ
- Credit score
- Higher scores usually get lower rates. The gap between fair and excellent credit can be large.
- Down payment
- Putting more down lowers the lender's risk, and can drop mortgage insurance.
- Loan type and term
- 15-year loans usually price lower than 30-year. FHA, VA and jumbo loans each price differently.
- Points
- Paying points up front buys a lower rate. Survey averages can include some points.
- Your state and lender
- Rates and fees vary by lender and by state. Comparing a few quotes is the surest way to a good one.
Run the numbers
Mortgage calculatorEstimate your monthly payment with principal, interest, property tax, insurance, PMI and HOA dues.
How much house can I afford?See a comfortable price range from your income, debts and down payment.
Refinance calculatorCompare your current mortgage payment with a new rate and term, and see when closing costs pay off.
Home equity calculatorSee how much you might borrow against your home with a home equity loan or HELOC.