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30-Year Mortgage Rate
The average rate on a 30-year fixed-rate mortgage.
6.66%
Percent · latest, Jul 2026
vs prior month▲ 0.2 pp
vs year ago▼ 0.1 pp
| Year | 30-Year Mortgage Rate |
|---|---|
| 1971 | 7.48% |
| 1972 | 7.45% |
| 1973 | 8.56% |
| 1974 | 9.56% |
| 1975 | 9.09% |
| 1976 | 8.78% |
| 1977 | 9.00% |
| 1978 | 10.38% |
| 1979 | 12.90% |
| 1980 | 14.95% |
| 1981 | 17.04% |
| 1982 | 13.57% |
| 1983 | 13.43% |
| 1984 | 13.14% |
| 1985 | 11.09% |
| 1986 | 9.29% |
| 1987 | 10.61% |
| 1988 | 10.77% |
| 1989 | 9.78% |
| 1990 | 9.68% |
| 1991 | 8.35% |
| 1992 | 8.14% |
| 1993 | 7.13% |
| 1994 | 9.18% |
| 1995 | 7.11% |
| 1996 | 7.64% |
| 1997 | 6.99% |
| 1998 | 6.83% |
| 1999 | 8.06% |
| 2000 | 7.13% |
| 2001 | 7.16% |
| 2002 | 5.93% |
| 2003 | 5.85% |
| 2004 | 5.81% |
| 2005 | 6.22% |
| 2006 | 6.18% |
| 2007 | 6.17% |
| 2008 | 5.10% |
| 2009 | 5.14% |
| 2010 | 4.86% |
| 2011 | 3.95% |
| 2012 | 3.35% |
| 2013 | 4.48% |
| 2014 | 3.87% |
| 2015 | 4.01% |
| 2016 | 4.32% |
| 2017 | 3.99% |
| 2018 | 4.55% |
| 2019 | 3.74% |
| 2020 | 2.67% |
| 2021 | 3.11% |
| 2022 | 6.42% |
| 2023 | 6.61% |
| 2024 | 6.85% |
| 2025 | 6.15% |
| 2026 | 6.66% |
Hover the line to read any month. Drag across the chart to zoom; double-click to reset.
Source: FRED · MORTGAGE30US · series · Apr 1971 to Jul 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
The average rate on a 30-year fixed-rate mortgage.
Average rate on a 30-year fixed-rate mortgage in the United States (Freddie Mac survey).
Source: FRED · Jul 2026 · Full lesson → Learn
About the bands. Shaded spans are NBER-dated US recessions, drawn as factual overlays. They mark when the economy contracted, not why. Lining an event up with a move is not evidence it caused the move.
Read across
No single number is the economy. These measure nearby parts of it — add one to compare, or open it on its own.
- 10-Year Treasury Yield The yield this rate tracks.
- Median Home Sale Price The prices buyers finance at this rate.
- Housing Starts New homes broken ground on, the supply side.