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As of July 10, 2026, the average 30-year fixed mortgage rate in the US is 6.49% and the average 15-year fixed rate is 5.82% (Freddie Mac via FRED).
Last updated July 10, 2026 · Freddie Mac Primary Mortgage Market Survey and US Treasury, via Federal Reserve Economic Data (FRED). Refreshed weekly.
6.49%
The average 30-year fixed mortgage rate in the United States is 6.49%.
Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US) · as of July 10, 2026
5.82%
The average 15-year fixed mortgage rate in the United States is 5.82%.
Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE15US) · as of July 10, 2026
4.58%
The 10-year US Treasury yield, the main benchmark for mortgage rates, is 4.58%.
Source: US Treasury constant maturities via FRED (DGS10) · as of July 14, 2026
1.91 percentage points
The 30-year mortgage rate is currently 1.91 percentage points above the 10-year Treasury yield.
Source: CodeOpx calculation from FRED MORTGAGE30US and DGS10 · as of July 10, 2026
The average 30-year fixed mortgage rate in the United States is 6.49%. Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US). Retrieved from CodeOpx, https://codeopx.com/stats/mortgage-rates#30-year-fixed
Licensed CC-BY 4.0 — free to reuse with attribution. Figures refresh automatically from the sources above; the anchor links are stable. Corrections: corrections@codeopx.com.