Average Mortgage Rate (2026)

The average 30-year fixed mortgage rate in the US is 6.95% as of September 17, 2026 (Freddie Mac) — the highest in roughly 20 months and up from 6.26% a year earlier, though still below the 7.79% peak of October 2023 and far above the 2.65% record low of January 2021. The 15-year fixed averages 6.26%, while 5/1 ARMs run about 6.40%. Top-tier borrowers (FICO 760+, 20% down) typically lock 0.25-0.50% below average.