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U.S. Mortgage Rates

Average 30-year and 15-year fixed mortgage rates, %

30-year fixed: 7.40% on Oct 15, 2026+0.07 pp since Apr 2, 1971
YTD1y2y5y10y20yAll
ForecastOffContinuationForesight™
Show · 1 ▾
U.S. recessionsShades the months the NBER dates as recession. U.S. charts only.High and lowMarks the highest and lowest readings in the window shown.
Current·Data to Oct 15, 2026

Plays the chart through its history. Pauses are where the data set a record or moved most.

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Weekly average rates on fixed-rate home loans from Freddie Mac’s survey. They track the 10-year Treasury yield plus a spread.

What this chart reads

Sources

30-Year Mortgage Rate. Source: Freddie Mac publishes the Primary Mortgage Market Survey based on applications from lenders nationwide. Palanor pulls this series from the FRED API nightly.

15-Year Fixed Mortgage Rate. Source: Freddie Mac via FRED (MORTGAGE15US). Public.

Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.

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