The average rate on a 15-year fixed-rate mortgage in the US declined to 6.45% as of November 12, 2026, down from 6.57% last week. A year ago at this time, the 15-year fixed-rate mortgage averaged 5.49%. source: Freddie Mac
15 Year Mortgage Rate in the United States averaged 5.27 percent from 1991 until 2026, reaching an all time high of 8.89 percent in December of 1994 and a record low of 2.10 percent in July of 2021. This page includes a chart with historical data for the United States 15 Year Mortgage Rate. United States 15-Year Mortgage Rate - data, historical chart, forecasts and calendar of releases - was last updated on November of 2026.