Mortgage rates today
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Average U.S. rates for the week of October 29, 2026, from Freddie Mac's weekly survey of lenders.
For home buyers who want this week's average mortgage rates and what they mean for a monthly payment.
Monthly payment at today's rates
| Home price | 20% down | 30-yr P&I | 15-yr P&I |
|---|---|---|---|
| $200,000 | $40,000 | $1,090 | $1,403 |
| $300,000 | $60,000 | $1,636 | $2,104 |
| $400,000 | $80,000 | $2,181 | $2,805 |
| $500,000 | $100,000 | $2,726 | $3,506 |
| $750,000 | $150,000 | $4,089 | $5,260 |
Averages are a starting point. Your quote depends on credit, down payment and the loan type.
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Common questions
What is the average 30-year mortgage rate today?
The average 30-year fixed mortgage rate is 7.24% as of October 29, 2026, according to Freddie Mac's Primary Mortgage Market Survey (via FRED). That is 0.08 points lower than the prior week.
What is the average 15-year mortgage rate today?
The average 15-year fixed rate is 6.60% as of October 29, 2026 (Freddie Mac PMMS).
How much is the monthly payment on a $400,000 home?
With 20% down ($80,000) and a 30-year fixed loan at 7.24%, principal and interest is about $2,181 per month, before property taxes and insurance.
How often are these rates updated?
Freddie Mac publishes the survey every Thursday. This page rebuilds every morning and picks up each new weekly reading.
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Source: Freddie Mac Primary Mortgage Market Survey®, retrieved from FRED, Federal Reserve Bank of St. Louis. Averages for well-qualified borrowers; your rate depends on credit, down payment and points.
Related guides
Updated . Official sources: Freddie Mac PMMS, FRED, Federal Reserve Bank of St. Louis.
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