July 23, 2026

The 30-year fixed-rate mortgage averaged 6.58% this week. As market conditions continue to evolve, borrowers should remember that shopping around for a mortgage rate can make a meaningful difference, potentially saving them thousands over the loan’s lifetime.

• The 30-year fixed-rate mortgage averaged 6.58% as of July 23, 2026, up from last week when it averaged 6.55%. A year ago at this time, the 30-year FRM averaged 6.74%.
• The 15-year fixed-rate mortgage averaged 5.96%, up from last week when it averaged 5.93%. A year ago at this time, the 15-year FRM averaged 5.87%.

Information provided by Freddie Mac.

July 16, 2026

The 30-year fixed-rate mortgage averaged 6.55% this week. Purchase application demand has weakened recently, but housing affordability is more favorable and housing inventory continues to rise, thus the backdrop for prospective homebuyers is modestly improving.

• The 30-year fixed-rate mortgage averaged 6.55% as of July 16, 2026, up from last week when it averaged 6.49%. A year ago at this time, the 30-year FRM averaged 6.75%.
• The 15-year fixed-rate mortgage averaged 5.93%, up from last week when it averaged 5.82%. A year ago at this time, the 15-year FRM averaged 5.92%.

Information provided by Freddie Mac.

July 9, 2026

The 30-year fixed-rate mortgage averaged 6.49% this week. Mortgage rates have not changed much recently, but economic growth and housing affordability continue to improve for homebuyers as they shop for homes in today’s market.

• The 30-year fixed-rate mortgage averaged 6.49% as of July 9, 2026, up from last week when it averaged 6.43%. A year ago at this time, the 30-year FRM averaged 6.72%.
• The 15-year fixed-rate mortgage averaged 5.82%, up from last week when it averaged 5.79%. A year ago at this time, the 15-year FRM averaged 5.86%.

Information provided by Freddie Mac.

July 2, 2026

The 30-year fixed-rate mortgage eased slightly this week averaging 6.43%. With rates at a seven-week low and purchase demand continuing to edge higher, it’s an encouraging sign as prospective homebuyers respond to modest improvements in affordability.

• The 30-year fixed-rate mortgage veraged 6.43% as of July 2, 2026, down from last week when it averaged 6.49%. A year ago at this time, the 30-year FRM averaged 6.67%.
• The 15-year fixed-rate mortgage averaged 5.79%, down from last week when it averaged 5.84%. A year ago at this time, the 15-year FRM averaged 5.80%.

Information provided by Freddie Mac.

June 25, 2026

The average 30-year fixed mortgage rate was little changed this week at 6.49%. Rates have remained relatively stable over the last six weeks. Meanwhile, purchase activity eased modestly and refinance activity has continued to pick up recently, reflecting borrowers’ responsiveness to current rate levels.

• The 30-year fixed-rate mortgage averaged 6.49% as of June 25, 2026, up from last week when it averaged 6.47%. A year ago at this time, the 30-year FRM averaged 6.77%.
• The 15-year fixed-rate mortgage averaged 5.84%, up from last week when it averaged 5.81%. A year ago at this time, the 15-year FRM averaged 5.89%.

Information provided by Freddie Mac.