Zillow News & Analysis
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Market Mood
Mortgage Rates Today: 30-Year Fixed at 6.44%, Refinance Rates Listed
As of July 12, 2026, the 30-year fixed mortgage rate is 6.44%, up 4 basis points from last week. The 20-year fixed has decreased by 8 basis points to 6.21%, while the 15-year fixed rate fell to 5.82%. Current refinance rates show a 30-year fixed at 6.52% and a 5/1 ARM at 6.55%. These figures indicate mostly lower mortgage rates this week, which can signal increased affordability for homebuyers and impact housing market activity.
Read More: Mortgage Rates Today: 30-Year Fixed at 6.44%, Refinance Rates Listed
Mortgage Rates Drop to 6.44% for 30-Year Fixed on July 11
On July 11, the average 30-year fixed mortgage rate decreased by 3 basis points to 6.44%. The 15-year fixed rate fell by 9 basis points to 5.82%, while the 5/1 ARM reduced by 3 basis points to 6.43%. Refinance rates also saw a decline, with the 30-year fixed rate at 6.52%. These lower mortgage rates make home buying and refinancing more affordable for consumers, impacting the housing and mortgage markets.
Read More: Mortgage Rates Drop to 6.44% for 30-Year Fixed on July 11
Mortgage Rates Increase: 30-Year Fixed Up to 6.40% on July 5
As of July 5, 2026, mortgage rates have increased compared to June 28. The 30-year fixed mortgage rate rose by 23 basis points to 6.40%, the 15-year fixed increased by 11 basis points to 5.86%, and the 5/1 ARM surged by 43 basis points to 6.52%. National averages include a 30-year VA rate at 5.81% and a 15-year VA rate at 5.51%. These changes in mortgage rates could influence borrowing costs and housing market activity going forward.
Read More: Mortgage Rates Increase: 30-Year Fixed Up to 6.40% on July 5
Mortgage Rates Updated: 30-Year Fixed at 6.40% on July 4
On July 4, 2026, the average mortgage rates showed mixed results. The 30-year fixed rate decreased by 4 basis points to 6.40%, while the 15-year fixed rate remained unchanged at 5.86%. The 5/1 ARM rose 6 basis points to 6.52%. Refinance rates also saw slight changes, with the 30-year fixed refinance at 6.38% and the 15-year fixed refinance at 5.84%. These rates impact lending costs and housing market activity for potential buyers and refinancers.
Read More: Mortgage Rates Updated: 30-Year Fixed at 6.40% on July 4
Mortgage Rates Drop: 30-Year Fixed Now 6.17% June 2026
As of June 28, 2026, the national average for the 30-year fixed mortgage rate has decreased to 6.17%, down 25 basis points since June 22. The 15-year fixed rate is now 5.75%, declining by 4 basis points, while the 5/1 adjustable-rate mortgage (ARM) fell by 40 basis points to 6.09%. The refinance rates show the 30-year fixed at 6.26% and the 15-year fixed at 5.73%. These changes in mortgage rates may impact housing market activity and affordability.
Read More: Mortgage Rates Drop: 30-Year Fixed Now 6.17% June 2026
Mortgage Rates Increase: 30-Year Fixed at 6.42% Today
Mortgage rates have increased today compared to last week, with the 30-year fixed rate climbing 7 basis points to 6.42%. The 15-year fixed rate is now at 5.79%, a rise of 1 basis point, while the 5/1 ARM rose by 40 basis points to 6.70%. Additionally, the 30-year VA rate stands at 5.88%. These national averages, reported by Zillow, reflect ongoing trends in the mortgage market, potentially impacting housing affordability and refinancing decisions.
Read More: Mortgage Rates Increase: 30-Year Fixed at 6.42% Today
Mortgage Rates on June 14, 2026: 30-Year Fixed at 6.35%
On June 14, 2026, the national average for the 30-year fixed mortgage rate was 6.35%, a decrease of 3 basis points from the previous week. The 15-year fixed mortgage rate increased by 4 basis points to 5.78%, while the 5/1 ARM decreased by 2 basis points to 6.30%. Other notable rates included the 20-year fixed at 6.10% and the 7/1 ARM at 6.45%. These mortgage rates influence borrowing costs and housing market activity.
Read More: Mortgage Rates on June 14, 2026: 30-Year Fixed at 6.35%
Mortgage Rates Decrease: 30-Year Fixed at 6.35% on June 13, 2026
As of June 13, 2026, mortgage rates have decreased, with the 30-year fixed rate at 6.35%, down 1 basis point, and the 15-year fixed rate at 5.78%, down 7 basis points. The 5/1 ARM fell to 6.30%, a reduction of 6 basis points. These rates reflect national averages rounded to the nearest hundredth, impacting housing affordability and refinancing options across the market. Consumers may benefit from lower borrowing costs, potentially influencing home buying and refinancing activity during this period.
Read More: Mortgage Rates Decrease: 30-Year Fixed at 6.35% on June 13, 2026
Mortgage Rates Rise: 30-Year Fixed at 6.38% on June 7, 2026
On June 7, 2026, the national average for the 30-year fixed mortgage rate increased by 5 basis points to 6.38%, while the 15-year fixed rate rose by 2 basis points to 5.74%. In contrast, the 5/1 ARM decreased by 24 basis points to 6.39%. Other rates reported include the 20-year fixed at 6.39% and 30-year VA loans at 5.81%. These changes indicate shifting lending conditions which could impact housing demand and refinancing decisions.
Read More: Mortgage Rates Rise: 30-Year Fixed at 6.38% on June 7, 2026
Mortgage Rates Today: 30-Year Fixed at 6.33%, 5/1 ARM at 6.45%
As of May 31, 2026, the average 30-year fixed mortgage rate is 6.33%, down 3 basis points, while the 15-year fixed rate remains unchanged at 5.79%. The 5/1 ARM has increased by 24 basis points to 6.45%. 30-year VA loans are currently at 5.80%, and 15-year VA loans at 5.43%. These national averages indicate trends in borrower costs, impacting home purchase decisions and refinancing considerations in the mortgage market.
Read More: Mortgage Rates Today: 30-Year Fixed at 6.33%, 5/1 ARM at 6.45%
Mortgage Rates Rise: 30-Year Fixed Now at 6.25% on May 9, 2026
As of May 9, 2026, the 30-year fixed mortgage rate stands at 6.25%, reflecting an increase of seven basis points from the previous day. The 15-year fixed rate has risen nine basis points to 5.66%. Other current mortgage rates include the 20-year fixed at 5.95% and the 5/1 ARM at 6.41%. These national averages are crucial for potential homebuyers and those considering refinancing, as higher rates may impact affordability and housing market activity.
Read More: Mortgage Rates Rise: 30-Year Fixed Now at 6.25% on May 9, 2026
Mortgage Rates Drop: 30-Year at 6.09%, 15-Year at 5.58%
As of April 26, 2026, the average interest rates for 30-year fixed mortgages fell to 6.09%, down 26 basis points from last month, yet increased by 7 basis points from last week. The 15-year fixed mortgage is now at 5.58%, 23 basis points lower than a month ago but up 6 basis points since the previous week. The average monthly payment for a $300,000 loan at a 30-year term would be approximately $1,816.05, resulting in $353,777 in total interest. The changes in rates impact borrowing costs, potentially influencing housing market activity.
Read More: Mortgage Rates Drop: 30-Year at 6.09%, 15-Year at 5.58%
Mortgage Rates Rise to 6.09% as Tensions Increase: April 2026
As of April 25, 2026, the average 30-year fixed mortgage rate is 6.09%, an increase of seven basis points from the previous week. The 15-year fixed rate has also risen to 5.58%, up eight basis points from last weekend. The changes coincide with heightened Middle East tensions, which may influence market perceptions around economic stability. Data from the Zillow lender marketplace indicates national averages for various mortgage rates, suggesting a minor overall increase in borrowing costs.
Read More: Mortgage Rates Rise to 6.09% as Tensions Increase: April 2026
Mortgage Rates Drop: 30-Year Fixed Rate Average at 6.15%
Mortgage interest rates have decreased, with the average 30-year fixed rate now at 6.15%, down seven basis points from last weekend. The 15-year fixed rate has fallen to 5.64%. Additional rates include the 20-year fixed at 5.97% and 5/1 ARM at 6.44%. These changes are relevant for potential homebuyers and can influence housing market dynamics significantly.
Read More: Mortgage Rates Drop: 30-Year Fixed Rate Average at 6.15%