Current Mortgage Rates
The current average 30-year fixed mortgage rate is 6.66% as of 7/30/2026, according to the Federal Reserve (FRED). Use the interactive chart below to observe week-over-week trends.
Latest available data: July 30, 2026 · Source: FRED (MORTGAGE30US)
| Date | Rate | Change |
|---|---|---|
| Aug 2026 | 6.66% | 0.00% |
| Jul 2026 | 6.66% | ↑ 0.08% |
| Jul 2026 | 6.58% | ↑ 0.03% |
| Jul 2026 | 6.55% | ↑ 0.06% |
| Jul 2026 | 6.49% | ↑ 0.06% |
| Jul 2026 | 6.43% | ↓ 0.06% |
| Jun 2026 | 6.49% | ↑ 0.02% |
| Jun 2026 | 6.47% | ↓ 0.05% |
| Jun 2026 | 6.52% | ↑ 0.04% |
| Jun 2026 | 6.48% | ↓ 0.05% |
| May 2026 | 6.53% | ↑ 0.02% |
| May 2026 | 6.51% | 0.00% |
Understanding Today's Rates
Mortgage rates are volatile figures reacting dynamically continuously to broader economic barometers including the 10-year Treasury yield, inflation expectations, and explicit monetary policy decisions passed down by the Federal Reserve. For consumers, minor changes of half a percent can alter an amortization schedule profoundly, resulting in tens of thousands of dollars saved across the loan lifetime.
The historical series shown here (FRED MORTGAGE30US) is published weekly by Freddie Mac, so the latest available data point is typically within the past week. This page refreshes its data from FRED daily.
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See exactly what today's 6.66% rate means for your total interest and monthly payment.
Launch Mortgage CalculatorBret Mishler
Bret Mishler is the founder and lead developer of MoneyMage. As a Senior Software Engineer and Tech Lead specializing in enterprise-scale cloud billing systems, Bret brings production-grade financial engineering rigor to personal finance. He built MoneyMage to deliver mathematically transparent, lightning-fast financial tools — applying the same strict precision required to process billions of dollars in cloud infrastructure to your personal wealth.
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