30 Year Mortgage Rate in the United States decreased to 6.19 percent in October 23 from 6.27 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

View weekly updates and historical trends for 30 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

Graph and download economic data for Contract Rate on 30-Year, Fixed-Rate Conventional Home Mortgage Commitments (DISCONTINUED) (WRMORTG) from 1971-04-01 to 2016-10-06 about conventional, 30-year, mortgage, interest rate, interest, rate, and USA.

Fixed 30-year mortgage rates in the United States averaged 6.37 percent in the week ending October 17 of 2025. This dataset provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

After a period of gradual decline, the average annual rate on a 30-year fixed-rate mortgage in the United States rose to **** percent in 2023, up from the record-low **** percent in 2021. In 2024, interest rates declined slightly. The rate for 15-year fixed mortgages and five-year ARM mortgages followed a similar trend. This was a result of the Federal Reserve increasing the bank rate - a measure introduced to tackle the rising inflation. U.S. home prices going through the roof Mortgage rates have a strong impact on the market – the lower the rate, the lower the loan repayment. The rate on a 30-year fixed-rate mortgage decreasing after the Great Recession has stimulated the market and boosted home sales. Another problem consumers face is the fact that house prices are rising at an unaffordable level. The median sales price of a new home sold surged in 2021, while the median weekly earnings of a full-time employee maintained a more moderate increase. What are the differences between 15-year and 30-year mortgages? Two of the most popular loan terms available to homebuyers are the 15-year fixed-rate mortgage and the 30-year fixed-rate mortgage. The 30-year option appeals to more consumers because the repayment is spread out over 30 years, meaning the monthly payments are lower. Consumers choosing the 15-year option will have to pay higher monthly payments but benefit from lower interest rates.

Graph and download economic data for 30-Year Fixed Rate Conforming Non-Adjusted Mortgage Index (OBMMIC30YFNA) from 2017-01-03 to 2025-10-23 about 30-year, mortgage, fixed, rate, indexes, and USA.

30-Year Fixed Rate Mortgage Average in the United States was 6.27% in October 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 October of 2025.

The 'MBA 30-Year Mortgage Rate' is a weekly survey conducted by the Mortgage Bankers Association that measures the average interest rate on 30-year fixed-rate mortgages in the United States.

The '30-Year Mortgage Rate' in the USA is the average interest rate for a 30-year fixed-rate mortgage, a common loan term for homebuyers.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-10-23 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

In May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.

View weekly updates and historical trends for 15 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

United States Mortgage Fixed Rate: Mth Avg: 30 Year: Point data was reported at 0.500 % pa in Nov 2018. This stayed constant from the previous number of 0.500 % pa for Oct 2018. United States Mortgage Fixed Rate: Mth Avg: 30 Year: Point data is updated monthly, averaging 1.100 % pa from Jan 1972 (Median) to Nov 2018, with 563 observations. The data reached an all-time high of 2.600 % pa in Sep 1985 and a record low of 0.400 % pa in May 2018. United States Mortgage Fixed Rate: Mth Avg: 30 Year: Point 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.

The rate on 15-year fixed rate mortgages in the United States decreased in the period after the Great Recession and reached its lowest level in 2021, followed by a steep increase in the next two years. In the early 1990s, the rate on a 15-year fixed rate mortgage was between six and nine percent. The rate then fell to 2.27 percent in 2021. After the Federal Reserve introduced several bank rate hikes to tackle the rising inflation, the mortgage rate soared to 6.11 percent — the highest rate observed since 2008. The rate for 30-year fixed mortgages and five-year ARM mortgages followed a similar trend.

United States Mortgage Fixed Rate: Wk Ending: 30 Year: Point data was reported at 0.500 % pa in 26 Jul 2018. This records an increase from the previous number of 0.400 % pa for 19 Jul 2018. United States Mortgage Fixed Rate: Wk Ending: 30 Year: Point data is updated weekly, averaging 0.600 % pa from Jan 2004 (Median) to 26 Jul 2018, with 760 observations. The data reached an all-time high of 0.900 % pa in 18 Nov 2010 and a record low of 0.300 % pa in 08 May 2008. United States Mortgage Fixed Rate: Wk Ending: 30 Year: Point 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 USA – Table US.M012: Mortgage Interest Rate.

As of the end of March 2025, the average mortgage interest rate for Australian owner-occupier borrowers was around *** percent. In comparison, the average investor interest rate was approximately *** percent. These rates refer to outstanding housing loans from banks and registered financial corporations. New loans financed in that month had even similar interest rates, at *** percent for owner-occupiers and *** percent for investors, respectively.

Graph and download economic data for 30-Year Fixed Rate Jumbo Mortgage Index (OBMMIJUMBO30YF) from 2017-01-03 to 2025-10-23 about jumbo, 30-year, mortgage, fixed, rate, indexes, and USA.

Mortgage interest rates in Europe soared in 2022 and remained elevated in the following two years. In many countries, this resulted in mortgage interest rates across the region more than doubling. In the fourth quarter of 2024, the average mortgage interest rate in the UK stood at *** percent. Belgium had the lowest rate, at **** percent, while Poland had the highest, at *** percent. Why did mortgage interest rates increase? Mortgage rates have risen as a result of the European Central Bank (ECB) interest rate increase. The ECB increased its interest rates to tackle inflation. As inflation calms, the ECB is expected to cut rates, which allows mortgage lenders to reduce mortgage interest rates. What is the impact of interest rates on home buying? Lower interest rates make taking out a housing loan more affordable, and thus, encourage home buying. That can be seen in many countries across Europe: In France, the number of residential properties sold rose in the years leading up to 2021, and fell as interest rates increased. The number of houses sold in the UK followed a similar trend.

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.

The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate. The table shows the latest available data from the national authorities as well as the values from three months ago and one year ago. The data are updated continuously.