The Rational Moderate

30-year fixed mortgage rate

Percent, monthly average of Freddie Mac’s weekly survey rates. Monthly.

Source: Freddie Mac, Primary Mortgage Market Survey, via Federal Reserve Bank of St. Louis, FRED, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US).

7.28%

· Current, as of

30-year mortgage rate over time

6%6.5%7%7.5%Nov. 2025Jan. 2026March 2026May 2026July 2026Sept. 2026
2%3%4%5%6%7%8%20182020202220242026
2%4%6%8%200020052010201520202025
3%4%5%6%7%8%20222023202420252026

Oct. 2026 is an average of the weekly readings published so far this month, as of our retrieval on Oct. 5, 2026, so the changes and the low and high use Sept. 2026, the last full month. A month of monthly data is one or two numbers, so the shortest range is a year.

Data table
MonthRate, %
2026-10-017.28
2026-09-016.86
2026-08-016.67
2026-07-016.54
2026-06-016.49
2026-05-016.44
2026-04-016.33
2026-03-016.18
2026-02-016.05
2026-01-016.1
2025-12-016.19
2025-11-016.24
2025-10-016.25
2025-09-016.35
2025-08-016.59
2025-07-016.72
2025-06-016.82
2025-05-016.82
2025-04-016.72
2025-03-016.65
2025-02-016.84
2025-01-016.96
2024-12-016.71
2024-11-016.8
2024-10-016.43
2024-09-016.18
2024-08-016.5
2024-07-016.85
2024-06-016.92
2024-05-017.06
2024-04-016.99
2024-03-016.82
2024-02-016.78
2024-01-016.64
2023-12-016.82
2023-11-017.44
2023-10-017.62
2023-09-017.2
2023-08-017.07
2023-07-016.84
2023-06-016.71
2023-05-016.42
2023-04-016.34
2023-03-016.54
2023-02-016.26
2023-01-016.27
2022-12-016.36
2022-11-016.8
2022-10-016.9
2022-09-016.11
2022-08-015.22
2022-07-015.41
2022-06-015.52
2022-05-015.23
2022-04-014.98
2022-03-014.17
2022-02-013.76
2022-01-013.45
2021-12-013.1
2021-11-013.07
2021-10-013.07
2021-09-012.9
2021-08-012.84
2021-07-012.87
2021-06-012.98
2021-05-012.96
2021-04-013.06
2021-03-013.08
2021-02-012.81
2021-01-012.73
2020-12-012.68
2020-11-012.77
2020-10-012.83
2020-09-012.89
2020-08-012.94
2020-07-013.02
2020-06-013.16
2020-05-013.23
2020-04-013.31
2020-03-013.45
2020-02-013.47
2020-01-013.62
2019-12-013.72
2019-11-013.7
2019-10-013.69
2019-09-013.6
2019-08-013.62
2019-07-013.77
2019-06-013.8
2019-05-014.07
2019-04-014.14
2019-03-014.26
2019-02-014.37
2019-01-014.46
2018-12-014.64
2018-11-014.87
2018-10-014.83
2018-09-014.63
2018-08-014.55
2018-07-014.53
2018-06-014.57
2018-05-014.59
2018-04-014.47
2018-03-014.44
2018-02-014.33
2018-01-014.03
2017-12-013.95
2017-11-013.92
2017-10-013.9
2017-09-013.8
2017-08-013.88
2017-07-013.97
2017-06-013.9
2017-05-014.01
2017-04-014.04
2017-03-014.2
2017-02-014.17
2017-01-014.15
2016-12-014.2
2016-11-013.77
2016-10-013.47
2016-09-013.46
2016-08-013.44
2016-07-013.44
2016-06-013.57
2016-05-013.6
2016-04-013.6
2016-03-013.69
2016-02-013.66
2016-01-013.87
2015-12-013.96
2015-11-013.94
2015-10-013.8
2015-09-013.89
2015-08-013.91
2015-07-014.05
2015-06-013.98
2015-05-013.84
2015-04-013.67
2015-03-013.77
2015-02-013.71
2015-01-013.67
2014-12-013.86
2014-11-014.0
2014-10-014.04
2014-09-014.16
2014-08-014.12
2014-07-014.13
2014-06-014.16
2014-05-014.19
2014-04-014.34
2014-03-014.34
2014-02-014.3
2014-01-014.43
2013-12-014.46
2013-11-014.25
2013-10-014.19
2013-09-014.49
2013-08-014.46
2013-07-014.37
2013-06-014.07
2013-05-013.54
2013-04-013.45
2013-03-013.56
2013-02-013.53
2013-01-013.41
2012-12-013.34
2012-11-013.35
2012-10-013.38
2012-09-013.5
2012-08-013.6
2012-07-013.55
2012-06-013.67
2012-05-013.8
2012-04-013.91
2012-03-013.95
2012-02-013.89
2012-01-013.92
2011-12-013.96
2011-11-013.99
2011-10-014.07
2011-09-014.11
2011-08-014.27
2011-07-014.54
2011-06-014.51
2011-05-014.64
2011-04-014.84
2011-03-014.84
2011-02-014.95
2011-01-014.75
2010-12-014.71
2010-11-014.3
2010-10-014.22
2010-09-014.35
2010-08-014.43
2010-07-014.56
2010-06-014.74
2010-05-014.89
2010-04-015.1
2010-03-014.97
2010-02-014.99
2010-01-015.03
2009-12-014.93
2009-11-014.88
2009-10-014.95
2009-09-015.06
2009-08-015.19
2009-07-015.22
2009-06-015.42
2009-05-014.86
2009-04-014.81
2009-03-015.0
2009-02-015.13
2009-01-015.05
2008-12-015.29
2008-11-016.09
2008-10-016.2
2008-09-016.04
2008-08-016.48
2008-07-016.43
2008-06-016.32
2008-05-016.04
2008-04-015.92
2008-03-015.97
2008-02-015.92
2008-01-015.76
2007-12-016.09
2007-11-016.21
2007-10-016.38
2007-09-016.38
2007-08-016.57
2007-07-016.7
2007-06-016.66
2007-05-016.26
2007-04-016.18
2007-03-016.16
2007-02-016.29
2007-01-016.22
2006-12-016.13
2006-11-016.24
2006-10-016.36
2006-09-016.4
2006-08-016.52
2006-07-016.76
2006-06-016.68
2006-05-016.6
2006-04-016.51
2006-03-016.32
2006-02-016.25
2006-01-016.14
2005-12-016.27
2005-11-016.33
2005-10-016.07
2005-09-015.77
2005-08-015.82
2005-07-015.7
2005-06-015.58
2005-05-015.72
2005-04-015.86
2005-03-015.93
2005-02-015.63
2005-01-015.71
2004-12-015.75
2004-11-015.73
2004-10-015.72
2004-09-015.75
2004-08-015.87
2004-07-016.06
2004-06-016.29
2004-05-016.27
2004-04-015.83
2004-03-015.45
2004-02-015.63
2004-01-015.71
2003-12-015.88
2003-11-015.93
2003-10-015.95
2003-09-016.15
2003-08-016.26
2003-07-015.63
2003-06-015.23
2003-05-015.48
2003-04-015.81
2003-03-015.75
2003-02-015.84
2003-01-015.92
2002-12-016.05
2002-11-016.07
2002-10-016.11
2002-09-016.09
2002-08-016.29
2002-07-016.49
2002-06-016.65
2002-05-016.81
2002-04-016.99
2002-03-017.01
2002-02-016.89
2002-01-017.0
2001-12-017.06
2001-11-016.66
2001-10-016.62
2001-09-016.82
2001-08-016.95
2001-07-017.13
2001-06-017.16
2001-05-017.14
2001-04-017.08
2001-03-016.95
2001-02-017.05
2001-01-017.03
2000-12-017.38
2000-11-017.75
2000-10-017.79
2000-09-017.91
2000-08-018.03
2000-07-018.15
2000-06-018.29
2000-05-018.52
2000-04-018.15
2000-03-018.24
2000-02-018.32
2000-01-018.21

Source: Federal Reserve Bank of St. Louis, FRED: 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US). MORTGAGE30US · retrieved Oct. 5, 2026 · 322 rows · as of October 2026 · monthly. Download CSV