Mortgage rates this week
30-year fixed: 7.11% · 15-year fixed: 6.45% — Freddie Mac average for the week of Nov 12, 2026.
30-year fixed
7.11%
15-year fixed
6.45%
A year ago (30-yr)
6.24%
Over the past 52 weeks the 30-year rate ranged from 5.98% (Feb 26, 2026) to 7.4% (Oct 8, 2026). On a $300,000 loan, each 1% of rate changes the payment by roughly $202 a month. These are national averages for borrowers with strong credit and 20% down; your quote depends on your credit score, down payment and points.
Last 12 weeks
| Week of | 30-year fixed | 15-year fixed |
|---|---|---|
| Nov 12, 2026 | 7.11% | 6.45% |
| Nov 5, 2026 | 7.18% | 6.57% |
| Oct 29, 2026 | 7.24% | 6.6% |
| Oct 22, 2026 | 7.32% | 6.68% |
| Oct 15, 2026 | 7.4% | 6.71% |
| Oct 8, 2026 | 7.4% | 6.73% |
| Oct 1, 2026 | 7.28% | 6.6% |
| Sep 24, 2026 | 7.03% | 6.42% |
| Sep 17, 2026 | 6.95% | 6.26% |
| Sep 10, 2026 | 6.76% | 6.09% |
| Sep 3, 2026 | 6.71% | 6.04% |
| Aug 27, 2026 | 6.66% | 5.98% |
Average mortgage rate by year
| Year | 30-year fixed | 15-year fixed |
|---|---|---|
| 2026 | 6.54% | 5.89% |
| 2025 | 6.6% | 5.78% |
| 2024 | 6.72% | 5.96% |
| 2023 | 6.81% | 6.11% |
| 2022 | 5.34% | 4.58% |
| 2021 | 2.96% | 2.27% |
| 2020 | 3.11% | 2.6% |
| 2019 | 3.94% | 3.39% |
| 2018 | 4.54% | 4% |
| 2017 | 3.99% | 3.27% |
| 2016 | 3.65% | 2.93% |
| 2015 | 3.85% | 3.09% |
| 2014 | 4.17% | 3.29% |
| 2013 | 3.98% | 3.1% |
| 2012 | 3.66% | 2.93% |
| 2011 | 4.45% | 3.68% |
| 2010 | 4.69% | 4.1% |
| 2009 | 5.04% | 4.57% |
| 2008 | 6.03% | 5.62% |
| 2007 | 6.34% | 6.03% |
| 2006 | 6.41% | 6.07% |
| 2005 | 5.87% | 5.42% |
| 2004 | 5.84% | 5.21% |
| 2003 | 5.83% | 5.17% |
| 2002 | 6.54% | 5.98% |
| 2001 | 6.97% | 6.5% |
| 2000 | 8.05% | 7.72% |
| 1999 | 7.44% | 7.06% |
| 1998 | 6.94% | 6.59% |
| 1997 | 7.6% | 7.13% |
| 1996 | 7.81% | 7.32% |
| 1995 | 7.93% | 7.48% |
| 1994 | 8.38% | 7.89% |
| 1993 | 7.31% | 6.82% |
| 1992 | 8.39% | 7.94% |
| 1991 | 9.25% | 8.4% |
| 1990 | 10.13% | — |
| 1989 | 10.32% | — |
| 1988 | 10.34% | — |
| 1987 | 10.21% | — |
| 1986 | 10.19% | — |
| 1985 | 12.43% | — |
| 1984 | 13.88% | — |
| 1983 | 13.24% | — |
| 1982 | 16.04% | — |
| 1981 | 16.64% | — |
| 1980 | 13.74% | — |
| 1979 | 11.2% | — |
| 1978 | 9.64% | — |
| 1977 | 8.85% | — |
| 1976 | 8.87% | — |
| 1975 | 9.05% | — |
| 1974 | 9.19% | — |
| 1973 | 8.04% | — |
| 1972 | 7.38% | — |
| 1971 | 7.54% | — |
Source: Freddie Mac Primary Mortgage Market Survey. Yearly figures are averages of the weekly rates; 2026 is year-to-date.