Mortgage rates by product and state
Updated Oct 8, 2026Today's national estimates
| Loan | Refinance | Buy | ||
|---|---|---|---|---|
| Rate | APR | Rate | APR | |
| 30-year fixed | 7.364% | 7.484% | 7.314% | 7.434% |
| 15-year fixed | 6.735% | 6.925% | 6.735% | 6.925% |
| 5/6 adjustable-rate | 5.461% | 6.551% | 5.411% | 6.501% |
Estimates for Oct 7, 2026, for 760–779 credit, 20% down, $400,000 loan, each rate at the points typical for its 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. Built from Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.
Loan limits by state, 2026
| State | Conforming | FHA |
|---|---|---|
| Alabama | $832,750 | $541,287 |
| Alaska | $832,750 to $1,249,125 | $541,287 to $596,850 |
| Arizona | $832,750 | $541,287 to $609,500 |
| Arkansas | $832,750 | $541,287 |
| California | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Colorado | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Connecticut | $832,750 to $977,500 | $541,287 to $977,500 |
| Delaware | $832,750 | $541,287 to $630,200 |
| District of Columbia | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Florida | $832,750 to $990,150 | $541,287 to $990,150 |
| Georgia | $832,750 | $541,287 to $718,750 |
| Hawaii | $832,750 to $1,299,500 | $541,287 to $1,299,500 |
| Idaho | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Illinois | $832,750 | $541,287 |
| Indiana | $832,750 | $541,287 |
| Iowa | $832,750 | $541,287 |
| Kansas | $832,750 | $541,287 |
| Kentucky | $832,750 | $541,287 |
| Louisiana | $832,750 | $541,287 |
| Maine | $832,750 | $541,287 to $615,250 |
| Maryland | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Massachusetts | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Michigan | $832,750 | $541,287 |
| Minnesota | $832,750 | $541,287 to $552,000 |
| Mississippi | $832,750 | $541,287 |
| Missouri | $832,750 | $541,287 |
| Montana | $832,750 | $541,287 to $754,400 |
| Nebraska | $832,750 | $541,287 to $603,750 |
| Nevada | $832,750 | $541,287 to $736,000 |
| New Hampshire | $832,750 to $962,550 | $541,287 to $962,550 |
| New Jersey | $832,750 to $1,209,750 | $541,287 to $1,249,125 |
| New Mexico | $832,750 | $541,287 to $692,300 |
| New York | $832,750 to $1,209,750 | $541,287 to $1,249,125 |
| North Carolina | $832,750 | $541,287 to $805,000 |
| North Dakota | $832,750 | $541,287 |
| Ohio | $832,750 | $541,287 to $591,100 |
| Oklahoma | $832,750 | $541,287 |
| Oregon | $832,750 | $541,287 to $762,450 |
| Pennsylvania | $832,750 to $1,209,750 | $541,287 to $630,200 |
| Rhode Island | $832,750 | $541,287 to $787,750 |
| South Carolina | $832,750 | $541,287 to $690,000 |
| South Dakota | $832,750 | $541,287 to $541,650 |
| Tennessee | $832,750 to $1,029,250 | $541,287 to $1,029,250 |
| Texas | $832,750 | $541,287 to $813,050 |
| Utah | $832,750 to $1,150,000 | $541,287 to $1,163,800 |
| Vermont | $832,750 | $541,287 to $575,000 |
| Virginia | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Washington | $832,750 to $1,063,750 | $541,287 to $1,063,750 |
| West Virginia | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
| Wisconsin | $832,750 | $541,287 to $552,000 |
| Wyoming | $832,750 to $1,249,125 | $541,287 to $1,249,125 |
Published limits. From FHA loan limits (HUD), 2026; Conforming loan limits (FHFA), 2026.
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 by county from the Federal Housing Finance Agency; a U.S. government work in the public domain.