30-year fixed purchase
- Rate
- 7.31%
- APR
- 7.43%
Up 0.58 percentage points in 30 days
Today's mortgage and refinance rates
Updated Oct 8, 2026What brings you here?
Your estimate · 30-year fixed refinance · National
- Rate
- 7.36%
- APR
- 7.48%
Up 0.01 since Oct 6Up 0.58 percentage points in 30 days
Principal and interest: $2,760 a month on $400,000
Estimate for Oct 7, 2026: 760–779 credit, 20% down, $400,000 loan, 1.21 points.
About this estimate
Assumes 760–779 credit, 20% down, $400,000 loan, 1.21 points: the rate is quoted at the points typical for this loan.
A national estimate, the same in every state. A local adjustment, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA), comes later.
Estimate, not an offer · FFIEC, week of Oct 5, 2026 · Fannie Mae, dated Sep 30, 2026 · U.S. Treasury, Oct 7, 2026
Sources and licences
Average prime offer rates (FFIEC)
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Loan-level price adjustments (Fannie Mae)
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
Daily Treasury par yield curve (U.S. Treasury)
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.
Your estimate · 30-year fixed purchase · National
- Rate
- 7.31%
- APR
- 7.43%
Up 0.01 since Oct 6Up 0.58 percentage points in 30 days
Principal and interest: $2,746 a month on $400,000
Estimate for Oct 7, 2026: 760–779 credit, 20% down, $400,000 loan, 1.21 points.
About this estimate
Assumes 760–779 credit, 20% down, $400,000 loan, 1.21 points: the rate is quoted at the points typical for this loan.
A national estimate, the same in every state. A local adjustment, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA), comes later.
Estimate, not an offer · FFIEC, week of Oct 5, 2026 · Fannie Mae, dated Sep 30, 2026 · U.S. Treasury, Oct 7, 2026
Sources and licences
Average prime offer rates (FFIEC)
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Loan-level price adjustments (Fannie Mae)
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
Daily Treasury par yield curve (U.S. Treasury)
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.
Is it time to refinance?
An example loan: 7.875%, $412,000, 27 years left.
6.68%
Not yetToday's estimate7.26%
6.68%Its trigger7.875%Its rate
0.58 percentage points to go
Estimate, not an offer · FFIEC, week of Oct 5, 2026 · Fannie Mae, dated Sep 30, 2026 · U.S. Treasury, Oct 7, 2026 · Agarwal, Driscoll and Laibson, dated Oct 6, 2026
Sources and licences
Average prime offer rates (FFIEC)
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Loan-level price adjustments (Fannie Mae)
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
Daily Treasury par yield curve (U.S. Treasury)
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.
Refinance trigger (Agarwal, Driscoll and Laibson)
The trigger follows Agarwal, Driscoll and Laibson, "Optimal Mortgage Refinancing: A Closed-Form Solution", Journal of Money, Credit and Banking, 2013, with that paper's assumptions except the tax rate.
Today's rates · typical borrower · National
15-year fixed purchase
- Rate
- 6.74%
- APR
- 6.92%
Up 0.65 percentage points in 30 days
5/6 adjustable-rate purchase
- Rate
- 5.41%
- APR
- 6.50%
Up 0.13 percentage points in 30 days
The least certain of our estimates.
30-year fixed refinance
- Rate
- 7.36%
- APR
- 7.48%
Up 0.58 percentage points in 30 days
15-year fixed refinance
- Rate
- 6.74%
- APR
- 6.92%
Up 0.65 percentage points in 30 days
5/6 adjustable-rate refinance
- Rate
- 5.46%
- APR
- 6.55%
Up 0.13 percentage points in 30 days
The least certain of our estimates.
Estimate, not an offer · FFIEC, week of Oct 5, 2026 · Fannie Mae, dated Sep 30, 2026 · U.S. Treasury, Oct 7, 2026
Sources and licences
Average prime offer rates (FFIEC)
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Loan-level price adjustments (Fannie Mae)
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
Daily Treasury par yield curve (U.S. Treasury)
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.
Loan limits where you live
- Conforming, 2026
- $832,750 in most counties
- FHA, 2026
- $541,287 in most counties
Published limits · HUD, 2026 · FHFA, 2026
Sources and licences
FHA loan limits (HUD)
FHA forward mortgage limits by county from the U.S. Department of Housing and Urban Development; a U.S. government work in the public domain.
Conforming loan limits (FHFA)
Conforming loan limits by county from the Federal Housing Finance Agency; a U.S. government work in the public domain.