The latest reading, 7.40% for 15 Oct 2026, was unchanged from the previous week. A year earlier it was 6.27%.
Projection
gov.house's statistical projection for this series, with the range that has contained about 80% of outcomes in our backtests. In those backtests it was 2% more accurate than assuming no change.
| Horizon | Period | 30-year fixed | 80% range |
|---|---|---|---|
| 4 weeks | 12 NOV 2026 | 7.46 | 7.25 to 7.67 |
| 8 weeks | 10 DEC 2026 | 7.48 | 7.16 to 7.80 |
| 13 weeks | 14 JAN 2027 | 7.49 | 7.05 to 7.93 |
Backtest: 49 rolling forecast origins. Average miss at 13 weeks: 0.303 (no-change: 0.306).
A statistical projection, not a prediction of policy and not investment advice. How the projections work.
About this data
Average rates on conforming fixed-rate mortgages from Freddie Mac's weekly Primary Mortgage Market Survey, released on Thursdays.
What it measures
The average rate lenders offered on 30-year and 15-year fixed-rate conforming mortgages, surveyed weekly by Freddie Mac.
Why it matters
Mortgage rates follow the 10-year Treasury yield plus a spread. They decide whether households can afford to buy or refinance, and they move the housing market more than any other single price.
gov.house refreshes this page automatically from the official source twice a day. Figures are shown as published; recent values can be revised by the source agency.
Latest values
| Date | 30-year fixed | 15-year fixed |
|---|---|---|
| 15 OCT 2026 | 7.40 | 6.71 |
| 08 OCT 2026 | 7.40 | 6.73 |
| 01 OCT 2026 | 7.28 | 6.60 |
| 24 SEP 2026 | 7.03 | 6.42 |
| 17 SEP 2026 | 6.95 | 6.26 |
| 10 SEP 2026 | 6.76 | 6.09 |
| 03 SEP 2026 | 6.71 | 6.04 |
| 27 AUG 2026 | 6.66 | 5.98 |
| 20 AUG 2026 | 6.65 | 5.95 |
| 13 AUG 2026 | 6.67 | 5.96 |
| 06 AUG 2026 | 6.69 | 6.01 |
| 30 JUL 2026 | 6.66 | 6.04 |