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30-Year Fixed Mortgage Rate
The 30-year fixed mortgage rate is the most widely used home loan in the United States. Track current rates and explore long-term trends using the interactive chart below.
6.36%
Historical Rates
30-year mortgage rate: market update
As of the latest available data, the 30-year mortgage rate is currently 6.36%. Over the selected period chart range, it has changed by +2.78%.
Mortgage rates are closely tied to long-term bond yields, particularly the 10-year Treasury yield . When Treasury yields rise, mortgage rates tend to increase as lenders adjust pricing to reflect higher borrowing costs and market expectations.
Tracking both current levels and historical movement helps put today’s rate into context, allowing borrowers to evaluate whether rates are relatively high, low, or near long-term averages.
30-year mortgage rate today
The 30-year mortgage rate is currently 6.36%, making it the most widely followed benchmark in the U.S. housing market. This rate directly affects monthly payments, long-term borrowing costs, and overall affordability for homebuyers.
For broader market context, compare this page with the 10-year Treasury yield and review the mortgage spread , which helps explain how far mortgage pricing is sitting above the Treasury benchmark.
Compare related mortgage rates and tools
Borrowers comparing loan options may also want to view the 15-year mortgage rate or return to the mortgage rates today homepage for a broader view of mortgage rates, Treasury yields, and spreads in one place.
If you want to turn rate levels into an estimated payment, use one of the calculators below.
About 30-Year Mortgage Rates
30-year mortgage rates are influenced by inflation expectations, Federal Reserve policy, and long-term Treasury yields. These rates are a key indicator of housing affordability and overall economic conditions.
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