Today's Mortgage Rates
These are national survey averages published every week, not a quote. Your own rate depends on your credit, loan amount, property, program and the day you lock — so use these as a starting point and change the number in any calculator to see what it does.
30-year fixed average
6.76%
0.05 points up from the week before
15-year fixed average
6.09%
Shorter term, lower rate, higher payment
Week of September 10, 2026. Source: Freddie Mac Primary Mortgage Market Survey, via FRED (Federal Reserve Bank of St. Louis). Updated automatically as new survey results are published.
Two years of weekly averages
Rates move week to week. The shape of this line matters more than any single reading.
Put this rate to work
- Mortgage calculator — what this rate means for a monthly payment.
- Rate comparison — what half a point higher or lower costs over the life of the loan.
- Refinance calculator — whether today's average beats the loan you already have.
- Rate buydown — the break-even on paying points to get below the average.
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Educational only: The calculators and information on this website are for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a loan offer, commitment to lend, financial advice or guarantee of eligibility, rates, costs or savings. Actual loan terms, rates, fees, mortgage insurance and qualification requirements vary by borrower, property, lender and loan program. Speak with a licensed mortgage professional for personalized information.