Updated Daily
Current Mortgage Rates
Today's average mortgage rates for the United States. Rates vary by lender, location, and your individual financial situation.
Last updated: July 26, 2026
30-Year Fixed
Most popular - stable payments for 30 years
Interest Rate 6.875% ↓ 0.125%
APR 7.012%
15-Year Fixed
Pay off faster, lower total interest
Interest Rate 6.125% ↓ 0.125%
APR 6.312%
5/1 ARM
Lower rate for first 5 years, then adjusts
Interest Rate 6.250% → 0.000%
APR 7.450%
FHA 30-Year
Lower credit score requirements
Interest Rate 6.500% ↓ 0.250%
APR 7.450%
VA 30-Year
For veterans and active duty - no down payment
Interest Rate 6.250% ↓ 0.125%
APR 6.875%
Important Notes
- Rates are averages: Your actual rate depends on your credit score, down payment, loan type, and lender.
- APR vs Rate: The APR includes lender fees and is a better measure of total cost.
- Get personalized quotes: Contact multiple lenders to compare actual offers.
- Location matters: Rates vary by state and even by county. VA and FHA limits differ by location.
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Use our mortgage calculator to see how different rates affect your monthly payment.