FHA 30-year fixed mortgage rates today

Estimates for Oct 9, 2026, for a $400,000 loan at the points typical for this loan, the same for every credit score. "Typical borrower" marks the borrower the site shows first (20% down or equity); "*" a down payment of fewer than 500 loans, priced at the median of all its purpose's loans.

Estimates for Oct 9, 2026, for a $400,000 loan at the points typical for this loan, the same for every credit score. "Typical borrower" marks the borrower the site shows first (20% down or equity); "*" a down payment of fewer than 500 loans, priced at the median of all its purpose's loans.

The estimate starts from the week's average prime offer rate (APOR) for the 30-year fixed, an annual percentage rate (APR) for a borrower with the best credit and 20% or more down. Between weeks it moves 0.861 times as far as the 10-year Treasury yield, as the 30-year fixed's estimate does: the fit of 182 weekly changes from Apr 10, 2023 to Oct 5, 2026, which explains a share of 0.792 of APOR's moves.

It then adds the median rate spread of 2025's FHA 30-year fixed loans of the same purpose and down payment: how far each loan's APR sat above the APOR of the week its rate was set, in the records lenders report under the Home Mortgage Disclosure Act (HMDA). The spread holds the fees and points those borrowers paid, so the APR is what they paid, fees included. A down payment of fewer than 500 loans takes the median of all its purpose's loans.

HMDA reports no credit score, so the estimate is the same for every credit score.

The rate shown is the note rate at 0.76 points, what those borrowers typically paid: 0.87 percentage points below the APR, which includes the FHA's mortgage insurance premiums.

A national estimate, the same in every state. Each state's page moves it by what that state's borrowers paid, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA).