Current mortgage rates: 30-year fixed at 6.76%, 15-year at 6.09% (week of September 10, 2026)
The average 30-year fixed mortgage rate is 6.76% this week, +0.05 pts from last week’s 6.71% and +0.41 pts from 6.35% a year ago. The 15-year fixed averages 6.09%. These are Freddie Mac’s national survey averages for well-qualified borrowers, not offers: below, what the numbers mean in dollars, where they sit in the last 52 weeks, and the full history since 1971.
| 30-year fixed | 15-year fixed | |
|---|---|---|
| This week (Sep 10, 2026) | 6.76% | 6.09% |
| Last week (Sep 3, 2026) | 6.71% | 6.04% |
| A year ago (Sep 11, 2025) | 6.35% | 5.50% |
| 52-week low | 5.98% (Feb 26, 2026) | 5.35% |
| 52-week high | 6.76% (Sep 10, 2026) | 6.09% |
What this week’s rate means in dollars
Principal and interest only, on the loan amount (not the price). At 6.76%, every $100,000 borrowed for 30 years costs about $649 a month; a year ago at 6.35% it was $622. Taxes, insurance and mortgage insurance come on top — the mortgage calculator adds them by state.
| Loan amount | 30-year at 6.76% | 15-year at 6.09% | 30-year a year ago (6.35%) | Difference vs a year ago |
|---|---|---|---|---|
| $250,000 | $1,623/mo | $2,122/mo | $1,556/mo | +$67/mo |
| $300,000 | $1,948/mo | $2,546/mo | $1,867/mo | +$81/mo |
| $400,000 | $2,597/mo | $3,395/mo | $2,489/mo | +$108/mo |
| $500,000 | $3,246/mo | $4,244/mo | $3,111/mo | +$135/mo |
The last 52 weeks
| Week | 30-year fixed | 15-year fixed | 30-year, weekly change |
|---|---|---|---|
| Sep 10, 2026 | 6.76% | 6.09% | +0.05 pts |
| Sep 3, 2026 | 6.71% | 6.04% | +0.05 pts |
| Aug 27, 2026 | 6.66% | 5.98% | +0.01 pts |
| Aug 20, 2026 | 6.65% | 5.95% | −0.02 pts |
| Aug 13, 2026 | 6.67% | 5.96% | −0.02 pts |
| Aug 6, 2026 | 6.69% | 6.01% | +0.03 pts |
| Jul 30, 2026 | 6.66% | 6.04% | +0.08 pts |
| Jul 23, 2026 | 6.58% | 5.96% | +0.03 pts |
| Jul 16, 2026 | 6.55% | 5.93% | +0.06 pts |
| Jul 9, 2026 | 6.49% | 5.82% | +0.06 pts |
| Jul 2, 2026 | 6.43% | 5.79% | −0.06 pts |
| Jun 25, 2026 | 6.49% | 5.84% | — |
Why the rate you are offered will differ
The survey average assumes a strong credit score, 20% down and a conforming loan on a primary residence. Your quote moves with the pricing adjustments lenders apply: credit score and loan-to-value first, then loan type (FHA, VA and USDA price differently), property type (condos and 2-4 units cost more), occupancy, points paid and the length of the rate lock. The same borrower can see quotes half a point apart on the same day, which is why comparing three Loan Estimates is worth the hour — see how to compare mortgage offers. An adjustable-rate mortgage usually starts lower than the 30-year fixed shown here.
This week’s rate on the median home in your state
Principal and interest with 20% down on each state’s approximate median price at 6.76%; each page works the full monthly cost with tax and PMI and lists the 2026 county loan limits.
- Alabamamedian $230,000, $1,195/mo
- Alaskamedian $370,000, $1,922/mo
- Arizonamedian $430,000, $2,233/mo
- Arkansasmedian $210,000, $1,091/mo
- Californiamedian $790,000, $4,103/mo
- Coloradomedian $550,000, $2,857/mo
- Connecticutmedian $430,000, $2,233/mo
- Delawaremedian $390,000, $2,026/mo
- Floridamedian $400,000, $2,078/mo
- Georgiamedian $330,000, $1,714/mo
- Hawaiimedian $850,000, $4,415/mo
- Idahomedian $460,000, $2,389/mo
- Illinoismedian $270,000, $1,402/mo
- Indianamedian $240,000, $1,247/mo
- Iowamedian $220,000, $1,143/mo
- Kansasmedian $230,000, $1,195/mo
- Kentuckymedian $210,000, $1,091/mo
- Louisianamedian $200,000, $1,039/mo
- Mainemedian $400,000, $2,078/mo
- Marylandmedian $420,000, $2,182/mo
- Massachusettsmedian $640,000, $3,324/mo
- Michiganmedian $250,000, $1,299/mo
- Minnesotamedian $340,000, $1,766/mo
- Mississippimedian $180,000, $935/mo
- Missourimedian $250,000, $1,299/mo
- Montanamedian $460,000, $2,389/mo
- Nebraskamedian $270,000, $1,402/mo
- Nevadamedian $450,000, $2,337/mo
- New Hampshiremedian $490,000, $2,545/mo
- New Jerseymedian $540,000, $2,805/mo
- New Mexicomedian $300,000, $1,558/mo
- New Yorkmedian $480,000, $2,493/mo
- North Carolinamedian $330,000, $1,714/mo
- North Dakotamedian $260,000, $1,350/mo
- Ohiomedian $230,000, $1,195/mo
- Oklahomamedian $210,000, $1,091/mo
- Oregonmedian $500,000, $2,597/mo
- Pennsylvaniamedian $270,000, $1,402/mo
- Rhode Islandmedian $470,000, $2,441/mo
- South Carolinamedian $300,000, $1,558/mo
- South Dakotamedian $300,000, $1,558/mo
- Tennesseemedian $320,000, $1,662/mo
- Texasmedian $300,000, $1,558/mo
- Utahmedian $520,000, $2,701/mo
- Vermontmedian $400,000, $2,078/mo
- Virginiamedian $400,000, $2,078/mo
- Washingtonmedian $600,000, $3,116/mo
- West Virginiamedian $170,000, $883/mo
- Wisconsinmedian $310,000, $1,610/mo
- Wyomingmedian $350,000, $1,818/mo
Mortgage rates history: annual averages since 1971
Average of the weekly survey values for each year (the current year is the average of the weeks published so far). The 15-year series begins in 1991.
| Year | 30-year fixed, average | 15-year fixed, average |
|---|---|---|
| 2026 (to date) | 6.38% | 5.72% |
| 2025 | 6.60% | 5.78% |
| 2024 | 6.72% | 5.96% |
| 2023 | 6.81% | 6.11% |
| 2022 | 5.34% | 4.58% |
| 2021 | 2.96% | 2.27% |
| 2020 | 3.11% | 2.60% |
| 2019 | 3.94% | 3.39% |
| 2018 | 4.54% | 4.00% |
| 2017 | 3.99% | 3.27% |
| 2016 | 3.65% | 2.93% |
| 2015 | 3.85% | 3.09% |
| 2014 | 4.17% | 3.29% |
| 2013 | 3.98% | 3.10% |
| 2012 | 3.66% | 2.93% |
| 2011 | 4.45% | 3.68% |
| 2010 | 4.69% | 4.10% |
| 2009 | 5.04% | 4.57% |
| 2008 | 6.03% | 5.62% |
| 2007 | 6.34% | 6.03% |
| 2006 | 6.41% | 6.07% |
| 2005 | 5.87% | 5.42% |
| 2004 | 5.84% | 5.21% |
| 2003 | 5.83% | 5.17% |
| 2002 | 6.54% | 5.98% |
| 2001 | 6.97% | 6.50% |
| 2000 | 8.05% | 7.72% |
| 1999 | 7.44% | 7.06% |
| 1998 | 6.94% | 6.59% |
| 1997 | 7.60% | 7.13% |
| 1996 | 7.81% | 7.32% |
| 1995 | 7.93% | 7.48% |
| 1994 | 8.38% | 7.89% |
| 1993 | 7.31% | 6.82% |
| 1992 | 8.39% | 7.94% |
| 1991 | 9.25% | 8.40% |
| 1990 | 10.13% | — |
| 1989 | 10.32% | — |
| 1988 | 10.34% | — |
| 1987 | 10.21% | — |
| 1986 | 10.19% | — |
| 1985 | 12.43% | — |
| 1984 | 13.88% | — |
| 1983 | 13.24% | — |
| 1982 | 16.04% | — |
| 1981 | 16.64% | — |
| 1980 | 13.74% | — |
| 1979 | 11.20% | — |
| 1978 | 9.64% | — |
| 1977 | 8.85% | — |
| 1976 | 8.87% | — |
| 1975 | 9.05% | — |
| 1974 | 9.19% | — |
| 1973 | 8.04% | — |
| 1972 | 7.38% | — |
| 1971 | 7.54% | — |
Frequently asked questions
What is the mortgage rate today?
The most recent national average from Freddie Mac’s Primary Mortgage Market Survey, published September 10, 2026, is 6.76% for a 30-year fixed-rate mortgage and 6.09% for a 15-year fixed. It is an average of rates offered to borrowers with strong credit and 20% down, not a quote; the rate a lender offers you will differ.
Will mortgage rates go down?
Nobody knows, and this site does not forecast. Fixed mortgage rates track the 10-year Treasury yield plus a spread that widens when lenders and investors see more risk; both move with inflation data, Federal Reserve policy and demand for mortgage bonds. The history table on this page shows how wide the range has been — from under 3% in 2021 to above 18% in 1981.
What is the difference between the interest rate and the APR?
The interest rate is what the lender charges on the balance; the APR adds most lender fees and points and spreads them over the loan’s life, so it is higher and is the better figure for comparing two offers with different fees. Both are printed on page 3 of the Loan Estimate.
How often is this page updated?
Every week. Freddie Mac publishes the survey each Thursday; the figures here come from the Federal Reserve Bank of St. Louis (FRED) copy of that series and were last refreshed on September 10, 2026.
Sources
Related: How mortgage rates are set, Rate locks, Points and buydowns, Payment tables. Hub: Conventional loan.