The US 30-year fixed-rate mortgage averaged 6.95% as of September 17th, 2026, rising for a fourth consecutive week and up from 6.76% in the previous week. The rate remains at its highest level since January 2025 and is inching closer to the 7% mark. A year ago, the 30-year fixed-rate mortgage averaged 6.26%. Following the Federal Reserve’s hike in its benchmark rate, borrowing costs show little sign of easing, weighing on prospective homebuyers. Meanwhile, the 15-year fixed-rate mortgage averaged 6.26%, also its highest level since January 2025, up from 6.09% last week and 5.41% a year earlier. source: Freddie Mac
30 Year Mortgage Rate in the United States increased to 6.95 percent in September 17 from 6.76 percent in the previous week. 30 Year Mortgage Rate in the United States averaged 7.68 percent from 1971 until 2026, reaching an all time high of 18.63 percent in October of 1981 and a record low of 2.65 percent in January of 2021. This page includes a chart with historical data for the United States 30 Year Mortgage Rate. United States 30-Year Mortgage Rate - data, historical chart, forecasts and calendar of releases - was last updated on September of 2026.