Updated 13 October 2026
The 30-year fixed is 7.36%
Down 0.09 points on the week. National average across all lenders.
Today’s rates
| Loan | Rate | Week | Month | Year | Monthly on $320,000 |
|---|---|---|---|---|---|
| 30-year fixed
Conforming · daily · 13 Oct |
7.361% | -0.09 | +0.42 | +1.11 | $2,207 30 yr |
| 15-year fixed
Conforming · daily · 13 Oct |
6.722% | +0.19 | +0.48 | +1.28 | $2,827 15 yr |
| 30-year FHA
FHA · daily · 13 Oct |
7.181% | +0.01 | +0.45 | +1.02 | $2,168 30 yr |
| 30-year VA
VA · daily · 13 Oct |
7.110% | +0.03 | +0.52 | +1.27 | $2,153 30 yr |
| 30-year jumbo
Jumbo · daily · 13 Oct |
7.495% | +0.11 | +0.58 | +1.07 | $2,236 30 yr |
| 30-year fixed (PMMS)
Freddie Mac · weekly · 8 Oct |
7.400% | +0.12 | +0.69 | +1.06 | $2,216 30 yr |
| 15-year fixed (PMMS)
Freddie Mac · weekly · 8 Oct |
6.730% | +0.13 | +0.69 | +1.18 | $2,828 15 yr |
Daily figures are the Optimal Blue Mortgage Market Indices; the PMMS rows are Freddie Mac’s weekly survey, published Thursdays. Both are national averages of actual locked loans — they are not an offer, and what you are quoted depends on your credit, your deposit and the day you lock. Monthly figures are principal and interest only: property tax, insurance and any mortgage insurance sit on top. Source: Federal Reserve Bank of St. Louis (FRED).
What it costs you
How we got that: $320,000 over 30 years at 7.36%, the 30-year fixed average on 13 October. Tax, insurance and any mortgage insurance are extra — budget roughly another 1–2% of the house price a year for those. Over the full term you would pay $474,560 in interest.