Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-06-26 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

Interactive historical chart showing the 30 year fixed rate mortgage average in the United States since 1971.

30 Year Mortgage Rate in the United States decreased to 6.77 percent in June 26 from 6.81 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

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 fourth quarter of 2024, the 30-year fixed rate rose slightly, to **** percent. Despite the increase, the rate remained below the peak of **** percent in the same quarter a year ago. 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 2013 and 2023, 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 2023, 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.

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.

Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-06-26 about FHA, 30-year, fixed, mortgage, rate, indexes, and USA.

Fixed 30-year mortgage rates in the United States averaged 6.88 percent in the week ending June 20 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.

Russia has recorded a decrease in the average weighted interest rate on mortgage loans issued to residents in the national currency in April 2025. In that month, the mortgage loan rate stood at **** percent.

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.

30-Year Fixed Rate Mortgage Average in the United States was 6.81% in June 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 June of 2025.

Graph and download economic data for 30-Year Fixed Rate Veterans Affairs Mortgage Index (OBMMIVA30YF) from 2017-01-03 to 2025-06-26 about veterans, 30-year, fixed, mortgage, rate, indexes, and USA.

Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In May 2025, the average 10-year fixed rate interest rate reached **** percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2023, reaching just above *** million. Despite the number of transactions falling, this figure was higher than the period before the COVID-19 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for five straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About **** million homeowners are projected to see their deal expire by the end of 2026. About *** million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026.

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

The HUD monthly interest rate survey provides information on interest rates, loan terms, and house prices. The survey is conducted by property type, loan type, and lender type. How the survey is conducted The survey provides information on all properties, new properties, and previously occupied properties.The survey provides information on fixed-rate and adjustable-rate loans.The survey provides information on lenders such as savings associations, mortgage companies, commercial banks, and savings banks.What the survey includes The survey provides information on interest rates, loan terms, and house prices.The survey provides information on property type, loan type, and lender type.Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)On 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.As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year Primary Mortgage Market Survey® (PMMS®) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS.

The annual average weighted interest rate on mortgage loans issued to residents of Russia in the national currency saw a decline over the period under consideration. In 2023, it amounted to around 8.17 percent.

Graph and download economic data for 30-Year Fixed Rate Jumbo Mortgage Index (OBMMIJUMBO30YF) from 2017-01-03 to 2025-06-26 about jumbo, 30-year, fixed, mortgage, rate, indexes, and USA.

Mortgage interest rates in the UK were on a downward trend for more than a decade before soaring in 2022. In the fourth quarter of 2024, the average weighted interest rate stood at **** percent — nearly ***** times the interest rate in the fourth quarter of 2021. Mortgage rates also vary depending on the type of mortgage: Historically, fixed rate mortgages with a shorter term had on average lower interest rates. What types of mortgages are there? In terms of the type of interest rate, mortgages can be fixed and variable. A fixed interest rate is simply a mortgage where the rate of repayment is fixed, while a variable rate depends on the lender’s underlying variable interest rate. Furthermore, mortgages could be for a house purchase or for refinancing. The vast majority of mortgages in the UK are fixed rate mortgages for house purchase, and only a small share is for remortgaging. How big is the UK mortgage market? The UK has the largest mortgage market in Europe, amounting to nearly ***billion euros in gross residential mortgage lending as of the second quarter of 2023. When comparing the total outstanding residential mortgage lending, the UK also ranks first with about *** trillion euros.

Graph and download economic data for 5/1-Year Adjustable Rate Mortgage Average in the United States (DISCONTINUED) (MORTGAGE5US) from 2005-01-06 to 2022-11-10 about adjusted, mortgage, interest rate, interest, 5-year, rate, and USA.

As of mid-November 2020, the average interest rate for a personal housing loan in Chengdu was 5.93 percent which was the highest interest rate in the country. Compared to that, the lowest interest rate was in Shanghai with 4.69 percent. On a national average, the interest rate was 5.24 percent for purchasing a first house and 5.54 for purchasing a second one.

Hungary Interest Rate: OT: Avg: HH: CL: Mortgage data was reported at 4.551 % pa in Oct 2018. This records a decrease from the previous number of 4.564 % pa for Sep 2018. Hungary Interest Rate: OT: Avg: HH: CL: Mortgage data is updated monthly, averaging 11.162 % pa from Jan 2005 (Median) to Oct 2018, with 166 observations. The data reached an all-time high of 18.486 % pa in Jan 2005 and a record low of 4.118 % pa in Apr 2017. Hungary Interest Rate: OT: Avg: HH: CL: Mortgage data remains active status in CEIC and is reported by National Bank of Hungary. The data is categorized under Global Database’s Hungary – Table HU.M005: Interest Rate: Households: Outstanding.