30 Year Mortgage Rate in the United States decreased to 6.23 percent in November 26 from 6.26 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the second quarter of 2025, the 30-year fixed rate dropped slightly, to **** percent. The rate remained below the peak of **** percent in the fourth quarter of 2023. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2014 and 2024, the median price of an existing single-family home risen by about ** percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2024, the average rate on a 15-year fixed-rate mortgage in the United States stood between **** and **** percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between **** and **** percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-11-26 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

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

Fixed 30-year mortgage rates in the United States averaged 6.40 percent in the week ending November 21 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.

More than ************* mortgage loans are projected to be affected by the increasing mortgage interest rates in Canada by 2025. About *********** of these mortgages are projected to be up for renewal in 2024. These loans were taken out at a time when interest rates were much lower, meaning that homeowners will be affected by a notable increase in their monthly payments.

Mortgage credit interest rate, percent in the USA, September, 2025 The most recent value is 5.9 percent as of September 2025, a decline compared to the previous value of 6.13 percent. Historically, the average for the USA from August 1991 to September 2025 is 5.56 percent. The minimum of 2.42 percent was recorded in December 2020, while the maximum of 9.01 percent was reached in November 1994. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Turkey, September, 2025 The most recent value is 38.12 percent as of September 2025, a decline compared to the previous value of 39.56 percent. Historically, the average for Turkey from January 2002 to September 2025 is 20.61 percent. The minimum of 8.3 percent was recorded in June 2013, while the maximum of 58.45 percent was reached in January 2002. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Romania, August, 2025 The most recent value is 7.22 percent as of August 2025, an increase compared to the previous value of 6.46 percent. Historically, the average for Romania from January 2007 to August 2025 is 7.77 percent. The minimum of 4.2 percent was recorded in August 2021, while the maximum of 13.65 percent was reached in May 2010. | TheGlobalEconomy.com

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 first quarter of 2025, the average mortgage interest rate in the UK stood at **** percent. Spain 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.

Mortgage credit interest rate, percent in Bulgaria, September, 2025 The most recent value is 2.72 percent as of September 2025, a decline compared to the previous value of 2.74 percent. Historically, the average for Bulgaria from January 2007 to September 2025 is 6.07 percent. The minimum of 2.72 percent was recorded in September 2025, while the maximum of 9.84 percent was reached in December 2008. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Austria, September, 2025 The most recent value is 3.38 percent as of September 2025, an increase compared to the previous value of 3.35 percent. Historically, the average for Austria from December 1995 to September 2025 is 3.62 percent. The minimum of 1.18 percent was recorded in February 2021, while the maximum of 7.19 percent was reached in December 1995. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Poland, September, 2025 The most recent value is 7.03 percent as of September 2025, a decline compared to the previous value of 7.06 percent. Historically, the average for Poland from January 2004 to September 2025 is 5.39 percent. The minimum of 2.27 percent was recorded in December 2020, while the maximum of 8.14 percent was reached in November 2004. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Chile, September, 2025 The most recent value is 4.21 percent as of September 2025, a decline compared to the previous value of 4.29 percent. Historically, the average for Chile from January 2002 to September 2025 is 4.2 percent. The minimum of 1.99 percent was recorded in October 2019, while the maximum of 7.51 percent was reached in January 2002. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Slovakia, June, 2025 The most recent value is 3.65 percent as of June 2025, an increase compared to the previous value of 3.64 percent. Historically, the average for Slovakia from January 2005 to June 2025 is 3.8 percent. The minimum of 0.98 percent was recorded in September 2021, while the maximum of 7.15 percent was reached in January 2005. | TheGlobalEconomy.com

Month Jan 2022 Feb 2022 Mar 2022 Apr 2022 May 2022 Jun 2022 Jul 2022 Aug 2022 Sep 2022 Oct 2022 Nov 2022 Dec 2022 Jan 2023 Feb 2023 Mar 2023 Apr 2023 May 2023 Jun 2023 Jul 2023 Aug 2023 Sep 2023 Oct 2023 Nov 2023 Dec 2023 Jan 2024 Feb 2024 Mar 2024 Apr 2024 May 2024 Jun 2024 Jul 2024 Aug 2024 Sep 2024 Oct 2024 Nov 2024 Dec 2024 Jan 2025 Feb 2025 Mar 2025 Apr 2025 May 2025 Jun 2025 Jul 2025 Aug 2025 Sep 2025 Oct 2025 Avg Rate 3.20% 3.50% 3.86% 4.31% 4.91% 5.23% 5.46% 5.42% 5.45% 5.99% 6.52% 6.43% 6.25% 6.08% 6.28% 6.30% 6.27% 6.42% 6.57% 6.71% 6.90% 7.08% 7.29% 7.02% 6.58% 6.46% 6.61% 6.67% 6.85% 6.79% 6.70% 6.47% 6.15% 5.98% 6.27% 6.44% 6.53% 6.61% 6.48% 6.40% 6.48% 6.57% 6.53% 6.43% 6.23% 6.14%

Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data was reported at 9.360 % pa in Mar 2025. This stayed constant from the previous number of 9.360 % pa for Feb 2025. Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data is updated monthly, averaging 10.150 % pa from Dec 2004 (Median) to Mar 2025, with 244 observations. The data reached an all-time high of 12.490 % pa in Jun 2005 and a record low of 7.000 % pa in Oct 2021. Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data remains active status in CEIC and is reported by Bank of Mexico. The data is categorized under Global Database’s Mexico – Table MX.M006: Household Credit Interest Rates.

Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-12-01 about FHA, 30-year, mortgage, fixed, rate, indexes, and USA.

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