6.35%
2026 (thru Aug) (latest)
30-YEAR MORTGAGE RATE
percent, annual average · 1971–2026 · neither direction is "better" · FRED MORTGAGE30US
7.54%
1971
16.64%
high · 1981
2.96%
low · 2021
−1.2 pts
since 1971
┊ dashed lines mark 1979 Oil shock & inflation peak · 1987 Black Monday crash · 1991 Gulf War recession · 2001 Dot-com bust & 9/11 · 2008 Global financial crisis · 2020 COVID-19 pandemic
Method & caveats. Freddie Mac Primary Mortgage Market Survey.
Sources
Every value on this page is read from the publisher below. Current and historical source documents:
- https://fred.stlouisfed.org/series/MORTGAGE30US
- https://github.com/danielmiessler/substrate/tree/main/Data/US-Long-Run-Indicators
Data
| Year | 30-Year Mortgage Rate | Change |
|---|---|---|
| 2026 | 6.35% | −0.3 pts |
| 2025 | 6.60% | −0.1 pts |
| 2024 | 6.72% | −0.1 pts |
| 2023 | 6.81% | +1.5 pts |
| 2022 | 5.34% | +2.4 pts |
| 2021 | 2.96% | −0.1 pts |
| 2020 | 3.11% | −0.8 pts |
| 2019 | 3.94% | −0.6 pts |
| 2018 | 4.54% | +0.5 pts |
| 2017 | 3.99% | +0.3 pts |
| 2016 | 3.65% | −0.2 pts |
| 2015 | 3.85% | −0.3 pts |
| 2014 | 4.17% | +0.2 pts |
| 2013 | 3.98% | +0.3 pts |
| 2012 | 3.66% | −0.8 pts |
| 2011 | 4.45% | −0.2 pts |
| 2010 | 4.69% | −0.3 pts |
| 2009 | 5.04% | −1.0 pts |
| 2008 | 6.03% | −0.3 pts |
| 2007 | 6.34% | −0.1 pts |
| 2006 | 6.41% | +0.5 pts |
| 2005 | 5.87% | +0.0 pts |
| 2004 | 5.84% | +0.0 pts |
| 2003 | 5.83% | −0.7 pts |
| 2002 | 6.54% | −0.4 pts |
| 2001 | 6.97% | −1.1 pts |
| 2000 | 8.05% | +0.6 pts |
| 1999 | 7.44% | +0.5 pts |
| 1998 | 6.94% | −0.7 pts |
| 1997 | 7.60% | −0.2 pts |
| 1996 | 7.81% | −0.1 pts |
| 1995 | 7.93% | −0.5 pts |
| 1994 | 8.38% | +1.1 pts |
| 1993 | 7.31% | −1.1 pts |
| 1992 | 8.39% | −0.9 pts |
| 1991 | 9.25% | −0.9 pts |
| 1990 | 10.13% | −0.2 pts |
| 1989 | 10.32% | −0.0 pts |
| 1988 | 10.34% | +0.1 pts |
| 1987 | 10.21% | +0.0 pts |
| 1986 | 10.19% | −2.2 pts |
| 1985 | 12.43% | −1.5 pts |
| 1984 | 13.88% | +0.6 pts |
| 1983 | 13.24% | −2.8 pts |
| 1982 | 16.04% | −0.6 pts |
| 1981 | 16.64% | +2.9 pts |
| 1980 | 13.74% | +2.5 pts |
| 1979 | 11.20% | +1.6 pts |
| 1978 | 9.64% | +0.8 pts |
| 1977 | 8.85% | −0.0 pts |
| 1976 | 8.87% | −0.2 pts |
| 1975 | 9.05% | −0.1 pts |
| 1974 | 9.19% | +1.2 pts |
| 1973 | 8.04% | +0.7 pts |
| 1972 | 7.38% | −0.2 pts |
| 1971 | 7.54% | — |
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