30-Year Fixed Rate Mortgage Average in the United States was 6.23% in November of 2025, according to the United States Federal Reserve. Historically, 30-Year Fixed Rate Mortgage Average in the United States reached a record high of 18.63 in October of 1981 and a record low of 2.65 in January of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for 30-Year Fixed Rate Mortgage Average in the United States - last updated from the United States Federal Reserve on December of 2025.

United States Mortgage Fixed Rate: Mth Avg: 30 Year data was reported at 4.870 % pa in Nov 2018. This records an increase from the previous number of 4.830 % pa for Oct 2018. United States Mortgage Fixed Rate: Mth Avg: 30 Year data is updated monthly, averaging 7.635 % pa from Apr 1971 (Median) to Nov 2018, with 572 observations. The data reached an all-time high of 18.450 % pa in Oct 1981 and a record low of 3.350 % pa in Dec 2012. United States Mortgage Fixed Rate: Mth Avg: 30 Year data remains active status in CEIC and is reported by Federal Home Loan Mortgage Corporation, Freddie Mac. The data is categorized under Global Database’s United States – Table US.M012: Mortgage Interest Rate.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Generation: Birth Year from 1981 to 1996 (CXUOWNMORTGLB1608M) from 2019 to 2023 about birth, mortgage, expenditures, interest, and USA.

United States US: Lending Interest Rate data was reported at 3.512 % pa in 2016. This records an increase from the previous number of 3.260 % pa for 2015. United States US: Lending Interest Rate data is updated yearly, averaging 6.922 % pa from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 18.870 % pa in 1981 and a record low of 3.250 % pa in 2014. United States US: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

The thrift industry primarily serves as an intermediary between people who wish to save in relatively liquid deposits and people who wish to borrow mortgage funds. When long-term interest rates on mortgages are greater than short-term interest rates on deposits, thrifts generally can depend on a relatively stable supply of deposits and earn profits, retaining some of them in capital or net-worth accounts that are used to support additional mortgage lending. However, when short-term interest rates are higher than long-term rates, as they have been in 1981, many depositors withdraw funds from their savings accounts to buy higher-yielding assets. If net deposit outflows are large enough, then some thrifts may exhaust their liquidity and be forced to sell mortgage assets at a loss; if the loss is large enough, some thrifts could be forced out of business.

Key information about Hong Kong SAR (China) Bank Lending Rate

• Hong Kong SAR (China) Bank Lending Rate was reported at 5.000 % pa in Dec 2025.
• This stayed constant from the previous number of 5.000 % pa for Dec 2025.
• Hong Kong SAR (China) Bank Lending Rate data is updated daily, averaging 5.000 % pa from Jan 1981 to 02 Dec 2025, with 16407 observations.
• The data reached an all-time high of 5.875 % pa in 19 Sep 2024 and a record low of 5.000 % pa in 02 Dec 2025.
• Hong Kong SAR (China) Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Daily.

The Hongkong and Shanghai Banking Corporation Limited provides daily Bank Lending Rate.

The USA: Real interest rate: Bank lending rate minus inflation: The latest value from 2021 is -1.26 percent, a decline from 2.19 percent in 2020. In comparison, the world average is 1.66 percent, based on data from 106 countries. Historically, the average for the USA from 1961 to 2021 is 3.66 percent. The minimum value, -1.28 percent, was reached in 1975 while the maximum of 8.59 percent was recorded in 1981.

This data collection provides information on the characteristics of the housing inventory in 15 Standard Metropolitan Statistical Areas (SMSAs). Data include year the structure was built, type and number of living quarters, occupancy status, presence of commercial establishments on the property, presence of a garage, and property value. Additional data focus on kitchen and plumbing facilities, type of heating fuel used, source of water, sewage disposal, and heating and air conditioning equipment. Information about housing expenses includes mortgage or rent payments, utility costs, garbage collection fees, property insurance, real estate taxes, and repairs, additions, or alterations to the property. Similar data are provided for housing units previously occupied by respondents who had recently moved. Indicators of housing and neighborhood quality are also supplied. Housing quality variables include privacy of bedrooms, condition of kitchen facilities, basement or roof leakage, presence of cracks or holes in walls, ceilings, or floor, reliability of plumbing and heating equipment, and concealed electrical wiring. The presence of storm doors and windows and insulation was also noted. Neighborhood quality variables indicate presence of and objection to street noise, odors, crime, litter, and rundown and abandoned structures, as well as the adequacy of street lighting, public transportation, public parks, schools, shopping facilities, and police and fire protection. Extensive information on the ability of handicapped persons to move around their homes is also provided. Respondents were asked if they needed special equipment to move around, or the help of another person. They were also asked about the presence or need for housing features to aid their movement, such as ramps, braille lettering, elevators, and extra wide doors. In addition to housing characteristics, demographic data for household members are provided, including sex, age, race, income, marital status, and household relationship. Additional data are available for the household head, including Hispanic origin, length of residence, and travel-to-work information.

Singapore: Interest rates on bank credit to the private sector: The latest value from 2021 is 5.25 percent, unchanged from 5.25 percent in 2020. In comparison, the world average is 9.96 percent, based on data from 106 countries. Historically, the average for Singapore from 1978 to 2021 is 6.49 percent. The minimum value, 5.25 percent, was reached in 2019 while the maximum of 13.65 percent was recorded in 1981.

Key information about Philippines Bank Lending Rate

• Philippines Bank Lending Rate was reported at 7.817 % pa in Sep 2025.
• This records a decrease from the previous number of 8.132 % pa for Aug 2025.
• Philippines Bank Lending Rate data is updated monthly, averaging 12.352 % pa from Jan 1976 to Sep 2025, with 597 observations.
• The data reached an all-time high of 39.732 % pa in Dec 1984 and a record low of 5.098 % pa in Feb 2015.
• Philippines Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

CEIC extends history for monthly Bank Lending Rate. Bangko Sentral ng Pilipinas provides Bank Lending Rate. Bank Lending Rate is defined as lending rate for Universal and Commercial Banks. Bank Lending Rate prior to January 2020 is defined as lending rate for Commercial Banks only. Bank Lending Rate prior to October 1981 is sourced from the International Monetary Fund.

Guyana: Interest rates on bank credit to the private sector: The latest value from 2024 is 8.38 percent, unchanged from 8.38 percent in 2023. In comparison, the world average is 11.26 percent, based on data from 75 countries. Historically, the average for Guyana from 1981 to 2024 is 15.58 percent. The minimum value, 8.38 percent, was reached in 2023 while the maximum of 33.55 percent was recorded in 1991.

Saint Lucia: Interest rates on bank credit to the private sector: The latest value from 2024 is 6.29 percent, a decline from 6.4 percent in 2023. In comparison, the world average is 11.26 percent, based on data from 75 countries. Historically, the average for Saint Lucia from 1981 to 2024 is 10.89 percent. The minimum value, 6.29 percent, was reached in 2024 while the maximum of 15 percent was recorded in 2003.

Uganda UG: Lending Interest Rate data was reported at 21.279 % pa in 2017. This records a decrease from the previous number of 23.886 % pa for 2016. Uganda UG: Lending Interest Rate data is updated yearly, averaging 21.460 % pa from Dec 1981 (Median) to 2017, with 34 observations. The data reached an all-time high of 40.000 % pa in 1989 and a record low of 12.500 % pa in 1981. Uganda UG: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Uganda – Table UG.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Nigeria: Real interest rate: Bank lending rate minus inflation: The latest value from 2023 is 1.23 percent, an increase from 0.92 percent in 2022. In comparison, the world average is 4.29 percent, based on data from 87 countries. Historically, the average for Nigeria from 1970 to 2023 is -1.13 percent. The minimum value, -65.86 percent, was reached in 1981 while the maximum of 18.18 percent was recorded in 2009.

Guyana GY: Lending Interest Rate data was reported at 13.000 % pa in 2017. This stayed constant from the previous number of 13.000 % pa for 2016. Guyana GY: Lending Interest Rate data is updated yearly, averaging 15.000 % pa from Dec 1981 (Median) to 2017, with 37 observations. The data reached an all-time high of 33.550 % pa in 1991 and a record low of 12.833 % pa in 2015. Guyana GY: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Guyana – Table GY.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Singapore SG: Lending Interest Rate data was reported at 5.280 % pa in 2017. This records a decrease from the previous number of 5.350 % pa for 2016. Singapore SG: Lending Interest Rate data is updated yearly, averaging 5.856 % pa from Dec 1978 (Median) to 2017, with 40 observations. The data reached an all-time high of 13.645 % pa in 1981 and a record low of 5.280 % pa in 2017. Singapore SG: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Singapore – Table SG.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

United States Prime Lending Rate: Month Average data was reported at 7.000 % pa in Nov 2025. This records a decrease from the previous number of 7.234 % pa for Oct 2025. United States Prime Lending Rate: Month Average data is updated monthly, averaging 8.250 % pa from Jan 1949 (Median) to Nov 2025, with 923 observations. The data reached an all-time high of 20.500 % pa in Aug 1981 and a record low of 2.000 % pa in Aug 1950. United States Prime Lending Rate: Month Average data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.M: Lending Rates.

United States US: Real Interest Rate data was reported at 2.208 % pa in 2016. This records an increase from the previous number of 2.152 % pa for 2015. United States US: Real Interest Rate data is updated yearly, averaging 3.162 % pa from Dec 1961 (Median) to 2016, with 56 observations. The data reached an all-time high of 8.720 % pa in 1981 and a record low of -1.280 % pa in 1975. United States US: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;

This table contains 58 series, with data for years 1971 - 1992 (not all combinations necessarily have data for all years), and was last released on 2000-02-18. This table contains data described by the following dimensions (Not all combinations are available): Geography (13 items: Canada; Atlantic Region; Prince Edward Island; Eastern Canada ...), Price index (3 items: Interest; Non-mortgage; Mortgage ...), Index year (2 items: 1981=100; 1986=100 ...).

Saint Kitts and Nevis KN: Lending Interest Rate data was reported at 9.092 % pa in 2017. This records a decrease from the previous number of 9.230 % pa for 2016. Saint Kitts and Nevis KN: Lending Interest Rate data is updated yearly, averaging 10.279 % pa from Dec 1981 (Median) to 2017, with 37 observations. The data reached an all-time high of 12.216 % pa in 2003 and a record low of 8.617 % pa in 2010. Saint Kitts and Nevis KN: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s St. Kitts and Nevis – Table KN.World Bank: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;