Mortgage rates fell for the second straight week, averaging 6.30% as of April 16, down from 6.37% last week, easing borrowing costs during the peak homebuying season. Rates hit a one-month low amid easing geopolitical fears and a record S&P 500, as strong bank and tech earnings overshadowed Middle East tensions. Refinance activity rose, per the Mortgage Bankers Association, while purchase applications stayed subdued, remaining below year-ago levels for the second week, as buyers remained cautious amid economic uncertainty. source: Freddie Mac

30 Year Mortgage Rate in the United States decreased to 6.30 percent in April 16 from 6.37 percent in the previous week. 30 Year Mortgage Rate in the United States averaged 7.69 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 April of 2026.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-04-09 04:00 PM
30-Year Mortgage Rate
Apr/09 6.37% 6.46%
2026-04-16 04:00 PM
30-Year Mortgage Rate
Apr/16 6.30% 6.37%
2026-04-23 04:00 PM
30-Year Mortgage Rate
Apr/23 6.30%


Related Last Previous Unit Reference
15-Year Mortgage Rate 5.65 5.74 percent Apr 2026
30-Year Mortgage Rate 6.30 6.37 percent Apr 2026
Average House Prices 499500.00 530900.00 USD Jan 2026
Average Mortgage Size 385.51 380.61 Thousand USD Jan 2026
Building Permits 1386.00 1455.00 Thousand Jan 2026
Building Permits MoM -4.70 4.80 percent Jan 2026
Case-Shiller Home Price Index 336.64 337.06 points Jan 2026
Case-Shiller Home Price Index MoM -0.10 -0.10 percent Jan 2026
Case-Shiller Home Price Index YoY 1.20 1.40 percent Jan 2026
Construction Spending MoM -0.30 0.80 percent Jan 2026
Existing Home Sales 3980.00 4130.00 Thousand Mar 2026
Existing Home Sales MoM -3.60 2.70 percent Mar 2026
Home Ownership Rate 65.70 65.30 percent Dec 2025
House Price Index MoM 0.10 0.30 percent Jan 2026
House Price Index YoY 1.60 1.90 percent Jan 2026
House Price Index 440.99 440.68 points Jan 2026
Housing Starts 1487.00 1387.00 Thousand units Jan 2026
Housing Starts MoM 7.20 4.80 percent Jan 2026
Housing Starts Multi Family 524.00 406.00 Thousand units Jan 2026
Housing Starts Single Family 935.00 962.00 Thousand units Jan 2026
MBA Mortgage Market Index 281.00 276.00 points Apr 2026
MBA Mortgage Refinance Index 966.80 919.90 points Apr 2026
MBA Purchase Index 159.50 161.10 points Apr 2026
MBA Mortgage Applications 1.80 -0.80 percent Apr 2026
Mortgage Originations 524.42 512.15 Billion USD Dec 2025
MBA 30-Year Mortgage Rate 6.42 6.51 percent Apr 2026
NAHB Housing Market Index 34.00 38.00 points Apr 2026
Case-Shiller Single Family Home Price Index 332.18 331.41 points Jan 2026
New Home Sales 587.00 712.00 Thousand units Jan 2026
New Home Sales MoM -17.60 -6.80 percent Jan 2026
Pending Home Sales YoY -0.80 -0.40 percent Feb 2026
Pending Home Sales MoM 1.80 -1.00 percent Feb 2026
Price to Rent Ratio 133.60 133.10 Dec 2024
Residential Property Prices 1.22 1.78 Percent Sep 2025
Existing Home Sales Prices 408800.00 398000.00 USD Mar 2026
Total Housing Inventory 1360.00 1290.00 Thousands Mar 2026


United States 30-Year Mortgage Rate
The Primary Mortgage Market Survey (PMMS) is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit. Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. The interest rate a lender would charge to lend mortgage money to a qualified borrower exclusive of the fees and points required by the lender. This commitment rate applies only to conventional financing on conforming mortgages with loan-to-value rates of 80 percent or less.
Actual Previous Highest Lowest Dates Unit Frequency
6.30 6.37 18.63 2.65 1971 - 2026 percent Weekly

News Stream
US 30-Year Mortgage Rates Drop For 2nd Week
US Mortgage rates fell for the second straight week, averaging 6.30% as of April 16, down from 6.37% last week, easing borrowing costs during the peak homebuying season. Rates hit a one-month low amid easing geopolitical fears and a record S&P 500, as strong bank and tech earnings overshadowed Middle East tensions. Refinance activity rose, per the Mortgage Bankers Association, while purchase applications stayed subdued, remaining below year-ago levels for the second week, as buyers remained cautious amid economic uncertainty.
2026-04-16
US 30-Year Mortgage Rate Falls Slightly
Mortgage rates have dropped for the first time since the conflict in Iran began, offering a bit of relief to the U.S. housing market as the spring homebuying season gets underway. The average rate for a 30-year fixed mortgage fell to 6.37% on Thursday, down from 6.46% the previous week and 6.62% in the same period last year. The 10-year Treasury yield, closely tied to mortgage rates, declined following Tuesday’s announcement of a two-week ceasefire. However, analysts caution that the economic fallout from the Iran conflict remains far from resolved.
2026-04-09
US Mortgage Rates Rise to 7-Month High
The average rate on a 30-year fixed mortgage rose by 8bps from the previous week to 6.46% as of April 2nd, the highest in seven months. The increase was aligned with the sharp increase in long-dated Treasury yields, as Iranian forces continued to attack energy tankers in the Middle East and disrupt oil supply for the global economy. The consequent surge in fuel prices stoked pro-inflationary risks and drove multiple FOMC members to project no rate cuts this year.
2026-04-02