P
Pulsafi

Average Mortgage Rate (2026)

6.875%
30-year fixed mortgage rate, US average
Summary

The average 30-year fixed mortgage rate in the US is approximately 6.875% as of Q1 2026 — down from a peak of 7.79% in October 2023, but well above the 2.65% record low in January 2021. The 15-year fixed averages 6.125%, while 5/1 ARMs run 6.375%. Top-tier borrowers (FICO 760+, 20% down) typically lock 0.25-0.50% below average.

Breakdown

30-year fixed (avg)6.875%
15-year fixed (avg)6.125%
5/1 ARM (avg)6.375%
All-time low (Jan 2021)2.65%
Recent peak (Oct 2023)7.79%
Long-run avg (1971-2025)7.7%
Source
Freddie Mac Primary Mortgage Market Survey· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.