The 30-Year Mortgage
30-Year Fixed Rate Mortgage Average in the United States
The number, plainly.
The average rate on a 30-year fixed U.S. home loan.
Higher, lower, and what each means.
It governs housing demand and consumer balance-sheet room; it ripples into any business exposed to the housing cycle or consumer spending.
A reading is not a verdict. The Scan phase of Woodring’s Loop collects the signal; the Story phase asks what futures it is consistent with, and only the Stake phase turns that into a decision. This page does the first part.
The line in your 2027 plan.
Tests: housing demand and how much room household budgets have.
Write the assumption down, name the reading that would break it, and put a date on when it has to be argued again. That is the 18-Month Sunset applied to one line of a budget. The Last Annual Planshows what this season’s moves have already done to the common ones.
The last 36 readings.
Most recent first. Every value is as published by FRED at the time of the last refresh; FRED revises some series after the fact.
| Date | Value | Change |
|---|---|---|
| Nov 5, 2026 | 7.18% | −6 bp |
| Oct 29, 2026 | 7.24% | −8 bp |
| Oct 22, 2026 | 7.32% | −8 bp |
| Oct 15, 2026 | 7.40% | Unchanged |
| Oct 8, 2026 | 7.40% | +12 bp |
| Oct 1, 2026 | 7.28% | +25 bp |
| Sep 24, 2026 | 7.03% | +8 bp |
| Sep 17, 2026 | 6.95% | +19 bp |
| Sep 10, 2026 | 6.76% | +5 bp |
| Sep 3, 2026 | 6.71% | +5 bp |
| Aug 27, 2026 | 6.66% | +1 bp |
| Aug 20, 2026 | 6.65% | −2 bp |
| Aug 13, 2026 | 6.67% | −2 bp |
| Aug 6, 2026 | 6.69% | +3 bp |
| Jul 30, 2026 | 6.66% | +8 bp |
| Jul 23, 2026 | 6.58% | +3 bp |
| Jul 16, 2026 | 6.55% | +6 bp |
| Jul 9, 2026 | 6.49% | +6 bp |
| Jul 2, 2026 | 6.43% | −6 bp |
| Jun 25, 2026 | 6.49% | +2 bp |
| Jun 18, 2026 | 6.47% | −5 bp |
| Jun 11, 2026 | 6.52% | +4 bp |
| Jun 4, 2026 | 6.48% | −5 bp |
| May 28, 2026 | 6.53% | +2 bp |
| May 21, 2026 | 6.51% | +15 bp |
| May 14, 2026 | 6.36% | −1 bp |
| May 7, 2026 | 6.37% | +7 bp |
| Apr 30, 2026 | 6.30% | +7 bp |
| Apr 23, 2026 | 6.23% | −7 bp |
| Apr 16, 2026 | 6.30% | −7 bp |
| Apr 9, 2026 | 6.37% | −9 bp |
| Apr 2, 2026 | 6.46% | +8 bp |
| Mar 26, 2026 | 6.38% | +16 bp |
| Mar 19, 2026 | 6.22% | +11 bp |
| Mar 12, 2026 | 6.11% | +11 bp |
| Mar 5, 2026 | 6.00% | — |
When The 30-Year Mortgage moves, know what it tests.
The monthly Signal Layer covers every series in the library: what moved, which planning assumptions it tests, and what a continuous-planning team does about it. One email a month. Unsubscribe in one click.
Where the number comes from.
30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED, Federal Reserve Bank of St. Louis: fred.stlouisfed.org/series/MORTGAGE30US. Refreshed daily; 120 readings on file from Jul 25, 2024 to Nov 5, 2026.
Predictive Planning Institute, Signal Library: The 30-Year Mortgage (MORTGAGE30US). predictiveplanning.com/signals/MORTGAGE30US. Data via FRED, Federal Reserve Bank of St. Louis. Value 7.18% as of Nov 5, 2026.