The average rate on a 30-year fixed mortgage eased to 6.09% as of February 12th, after loosely rising for three straight week from the lowest level since September 2022 of 6.06%, according to data from Freddie Mac. “Bolstered by strong economic growth, a solid labor market and mortgage rates at three-year lows, housing affordability continues to measurably improve. These factors have caught the attention of many prospective homebuyers, driving purchase application activity higher than a year ago,” said Sam Khater, Freddie Mac’s chief economist. source: Freddie Mac

30 Year Mortgage Rate in the United States decreased to 6.09 percent in February 12 from 6.11 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 February of 2026.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-02-05 05:00 PM
30-Year Mortgage Rate
Feb/05 6.11% 6.1%
2026-02-12 05:00 PM
30-Year Mortgage Rate
Feb/12 6.09% 6.11%
2026-02-19 05:00 PM
30-Year Mortgage Rate
Feb/19 6.09%


Related Last Previous Unit Reference
15-Year Mortgage Rate 5.44 5.50 percent Feb 2026
30-Year Mortgage Rate 6.09 6.11 percent Feb 2026
Average House Prices 498000.00 483500.00 USD Oct 2025
Average Mortgage Size 380.61 378.06 Thousand USD Dec 2025
Building Permits 1411.00 1415.00 Thousand Oct 2025
Building Permits MoM -0.30 6.40 percent Oct 2025
Case-Shiller 20-City Home Price Index 337.27 337.37 points Nov 2025
Case-Shiller Home Price MoM 0.00 -0.30 percent Nov 2025
Case-Shiller Home Price YoY 1.40 1.30 percent Nov 2025
Construction Spending MoM 0.50 -0.60 percent Oct 2025
Existing Home Sales 3910.00 4270.00 Thousand Jan 2026
Existing Home Sales MoM -8.40 4.40 percent Jan 2026
Home Ownership Rate 65.70 65.30 percent Dec 2025
House Price Index MoM 0.60 0.40 percent Nov 2025
House Price Index YoY 1.90 1.80 percent Nov 2025
House Price Index 439.30 436.80 points Nov 2025
Housing Starts 1246.00 1306.00 Thousand units Oct 2025
Housing Starts MoM -4.60 1.20 percent Oct 2025
Housing Starts Multi Family 347.00 468.00 Thousand units Oct 2025
Housing Starts Single Family 874.00 829.00 Thousand units Oct 2025
MBA Mortgage Market Index 329.90 330.80 points Feb 2026
MBA Mortgage Refinance Index 1284.60 1269.70 points Feb 2026
MBA Purchase Index 161.50 165.40 points Feb 2026
MBA Mortgage Applications -0.30 -8.90 percent Feb 2026
Mortgage Originations 524.42 512.15 Billion USD Dec 2025
MBA 30-Year Mortgage Rate 6.21 6.21 percent Feb 2026
NAHB Housing Market Index 37.00 39.00 points Jan 2026
Case-Shiller Single Family Home Price Index 330.45 329.14 points Nov 2025
New Home Sales 737.00 738.00 Thousand units Oct 2025
New Home Sales MoM -0.10 3.80 percent Oct 2025
Pending Home Sales YoY -3.00 2.60 percent Dec 2025
Pending Home Sales MoM -9.30 3.30 percent Dec 2025
Price to Rent Ratio 134.04 133.46 Dec 2024
Residential Property Prices 1.22 1.78 Percent Sep 2025
Existing Home Sales Prices 396800.00 405100.00 USD Jan 2026
Total Housing Inventory 1220.00 1230.00 Thousands Jan 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
6.09 6.11 18.63 2.65 1971 - 2026 percent Weekly

News Stream
US 30-Year Mortgage Rate Eases
The average rate on a 30-year fixed mortgage eased to 6.09% as of February 12th, after loosely rising for three straight week from the lowest level since September 2022 of 6.06%, according to data from Freddie Mac. “Bolstered by strong economic growth, a solid labor market and mortgage rates at three-year lows, housing affordability continues to measurably improve. These factors have caught the attention of many prospective homebuyers, driving purchase application activity higher than a year ago,” said Sam Khater, Freddie Mac’s chief economist.
2026-02-12
US Mortgage Rates Marginally Increase
The average rate on a 30-year fixed mortgage rose marginally to 6.11% as of February 5th loosely rising for a third straight week from the lowest level since September 2022 of 6.06%, according to data from Freddie Mac. “For the last several weeks, the 30-year fixed-rate mortgage has remained at its lowest level in years. The combination of improving affordability and availability of homes to purchase is a positive sign for buyers and sellers heading into the spring home sales season,” said Sam Khater, Freddie Mac’s chief economist.
2026-02-05
US Mortgage Rates Edge Marginally Higher
The average rate on a 30-year fixed mortgage rose to 6.1% as of January 29th rising for a second straight week from the lowest level since September 2022 of 6.06%, according to data from Freddie Mac. “Mortgage rates remain near their lowest levels in three years, which is encouraging for potential homebuyers who have waited to enter the market for some time. Lower rates, combined with strong income growth, have led to a steady increase in purchase applications compared to last year. More homeowners refinancing their mortgages are also benefiting from these lower rates, as shown by the rise in refinance applications over the past year,” said Sam Khater, Freddie Mac’s chief economist.
2026-01-29