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What are today's average mortgage rates?

Mortgage rates look mostly steady to slightly higher Tuesday, with lender coverage split between small increases and small declines and Freddie Mac’s 30-year average last came in at 6.67%. The bigger market nudge was upward: the 10-year Treasury yield rose 2.6 basis points to 4.734% from 4.708%, and WTI crude climbed $3.01 to $85.26 a barrel, which can keep pressure on borrowing costs.

At the same time, risk sentiment softened rather than broke in one direction, with the Dow down 0.51%, the S&P 500 down 0.52%, the Nasdaq down 0.32% and CNN’s Fear & Greed Index easing to 59.5 from 65.0. That helps explain why mortgage rate signals look mixed instead of pointing to a sharper move.

The next potential catalysts come quickly, starting with Housing Starts and Permits at 8:30 a.m. ET and E-Commerce Retail Sales at 10 a.m. ET. After that, borrowers should watch Wednesday’s MBA mortgage applications, the EIA petroleum report and FOMC minutes, followed by Thursday’s jobless claims, because that calendar could do more to move rates than today’s quiet setup.

Although rates have elevated from recent lows, see if refinancing makes sense or tapping home equity is prudent. For home buyers, explore expert advice for 2026 and check if you qualify for financial assistance programs or more flexible loan options.

Current mortgage and refinance rates

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ProgramMortgage RateAPR*Change
Conventional 30-year fixed
Conventional 30-year fixed6.707% 6.764% +0.01
Conventional 20-year fixed
Conventional 20-year fixed6.618% 6.715% +0.05
Conventional 15-year fixed
Conventional 15-year fixed6.078% 6.164% +0.01
Conventional 10-year fixed
Conventional 10-year fixed6.032% 6.129% +0.01
30-year fixed FHA
30-year fixed FHA6.362% 6.409% Unchanged
30-year fixed VA
30-year fixed VA6.357% 6.405% -0.05
5/1 ARM Conventional
5/1 ARM Conventional6.506% 6.175% -0.08
Rates are provided by our partner network, and may not reflect the market. Your rate might be different. Click here for a personalized rate quote. See our rate assumptions See our rate assumptions here.

What’s a mortgage rate?

A mortgage rate is the rate of interest charged by a mortgage lender. Mortgage rates can be either fixed (it stays the same for the term of the loan) or variable (the rate will adjust at some point during the term of the loan). Mortgage rates are determined by the lender and can vary depending on your unique situation — your credit score, loan term, and downpayment can all affect your mortgage rate.1

Why compare mortgage rates?

The more lenders you compare when shopping for mortgage rates, the more likely you are to get the lowest interest rate available for you. Getting a lower interest rate could save you hundreds of dollars over a year of mortgage payments — and thousands of dollars over the life of the loan. Yes, it definitely pays to shop around.2

* Source: https://www.freddiemac.com/research/insight/20230216-when-rates-are-higher-borrowers-who-shop-around-save
1. Source: Freddie Mac
2. Advertising disclosure: we receive advertising revenue from some partners.

Mortgage and refinance rates by state