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30-Year Mortgage Rate

The average rate on a 30-year fixed-rate mortgage.

6.52%
Percent · latest, Jun 2026
vs prior month → 0.0 pp
vs year ago ▼ 0.3 pp
1973-75 Recession · Nov 1973 – Mar 19751980 Recession · Jan 1980 – Jul 19801981-82 Recession · Jul 1981 – Nov 19821990-91 Recession · Jul 1990 – Mar 19912001 Recession · Mar 2001 – Nov 2001Global Financial Crisis · Dec 2007 – Jun 2009COVID-19 Recession · Feb 2020 – Apr 20205%10%15%198019902000201020206.52%

Hover the line to read any month. Drag across the chart to zoom; double-click to reset.

Source: FRED · MORTGAGE30US · series · Apr 1971 to Jun 2026 · latest-revised

Reading it. The most common US home loan rate, surveyed weekly by Freddie Mac. It tracks the 10-year Treasury plus a spread; the rate a borrower is actually offered depends on credit, down payment, and points.

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 or policy up with a move on this chart is not evidence that it caused the move.

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