The current national average for the 30-year and 15-year fixed mortgage, and every weekly reading since January 2026. Each figure comes from Freddie Mac's Primary Mortgage Market Survey and links to its source. Last updated 2026-10-08.
| Week of | 30-year fixed | 15-year fixed |
|---|---|---|
| 2026-10-08 | 7.40% | 6.73% |
| 2026-10-01 | 7.28% | 6.60% |
| 2026-09-24 | 7.03% | 6.42% |
| 2026-09-17 | 6.95% | 6.26% |
| 2026-09-10 | 6.76% | 6.09% |
| 2026-09-03 | 6.71% | 6.04% |
| 2026-08-27 | 6.66% | 5.98% |
| 2026-08-20 | 6.65% | 5.95% |
| 2026-08-13 | 6.67% | 5.96% |
| 2026-08-06 | 6.69% | 6.01% |
| 2026-07-30 | 6.66% | 6.04% |
| 2026-07-23 | 6.58% | 5.96% |
| 2026-07-16 | 6.55% | 5.93% |
| 2026-07-09 | 6.49% | 5.82% |
| 2026-07-02 | 6.43% | 5.79% |
| 2026-06-25 | 6.49% | 5.84% |
| 2026-06-18 | 6.47% | 5.81% |
| 2026-06-11 | 6.52% | 5.84% |
| 2026-06-04 | 6.48% | 5.79% |
| 2026-05-28 | 6.53% | 5.87% |
| 2026-05-21 | 6.51% | 5.85% |
| 2026-05-14 | 6.36% | 5.71% |
| 2026-05-07 | 6.37% | 5.72% |
| 2026-04-30 | 6.30% | 5.64% |
| 2026-04-23 | 6.23% | 5.58% |
| 2026-04-16 | 6.30% | 5.65% |
| 2026-04-09 | 6.37% | 5.74% |
| 2026-04-02 | 6.46% | 5.77% |
| 2026-03-26 | 6.38% | 5.75% |
| 2026-03-19 | 6.22% | 5.54% |
| 2026-03-12 | 6.11% | 5.50% |
| 2026-03-05 | 6.00% | 5.43% |
| 2026-02-26 | 5.98% | 5.44% |
| 2026-02-19 | 6.01% | 5.35% |
| 2026-02-12 | 6.09% | 5.44% |
| 2026-02-05 | 6.11% | 5.50% |
| 2026-01-29 | 6.10% | 5.49% |
| 2026-01-22 | 6.09% | 5.44% |
| 2026-01-15 | 6.06% | 5.38% |
| 2026-01-08 | 6.16% | 5.46% |
Source: Freddie Mac — Primary Mortgage Market Survey (PMMS) (verified 2026-10-08).
Cite this: The 30-year fixed mortgage rate averaged 7.40% the week of October 8, 2026, up from 7.28% the prior week and 6.30% a year earlier. The 15-year fixed averaged 6.73%, up from 6.60% and 5.53% a year earlier. Source: Freddie Mac Primary Mortgage Market Survey. Compiled by SAA Homes (Schwartz and Associates): https://saahomes.com/resources/mortgage-rates-statistics/
The 30-year fixed mortgage rate averaged 7.40% the week of October 8, 2026, up from 7.28% the week before and 6.30% a year earlier. Source: Freddie Mac Primary Mortgage Market Survey.
The 15-year fixed mortgage rate averaged 6.73% the week of October 8, 2026, up from 6.60% the week before and 5.53% a year earlier. Source: Freddie Mac Primary Mortgage Market Survey.
The 30-year fixed rate began 2026 at 6.16% (week of January 8) and reached 7.40% by October 8. The 15-year fixed went from 5.46% to 6.73% over the same weeks. The 2026 low for the 30-year was 5.98% (week of February 26); for the 15-year it was 5.35% (week of February 19). Source: Freddie Mac Primary Mortgage Market Survey.
Weekly. Freddie Mac publishes the PMMS every Thursday at 12 p.m. ET (Wednesday when a holiday falls on Thursday), and this page is refreshed after each release. The 'Last updated' date changes only when the new week's figures are added.
Freddie Mac's Primary Mortgage Market Survey (PMMS), the industry-standard weekly national average, retrieved through the Federal Reserve Bank of St. Louis (FRED) series MORTGAGE30US and MORTGAGE15US. Each row links to its primary source.
Yes. Each weekly figure links to its primary source. Cite the rate, the week it applies to, and Freddie Mac's Primary Mortgage Market Survey, or link to this page and the week's anchor.
Adam and Mandi Schwartz help buyers and sellers across Northern Colorado. Contact SAA Homes at (970) 999-1407 or visit our contact page for a free consultation.