Mortgage rates this week, Oct 9, 2026
By Samprit Biswas, editor
Rates this week
The estimated rate on a 30-year fixed purchase loan rose to 7.39% as of Oct 9, 2026, up from 7.32% on Oct 2, 2026. The 30-year fixed refinance estimate rose to 7.44%, from 7.37%.
The 15-year fixed went the other way, edging down to 6.74% for a purchase, from 6.77%, and to 6.74% for a refinance, from 6.77%.
The 5/6 adjustable-rate estimate rose to 5.54% for a purchase, from 5.49%, and to 5.59% for a refinance, from 5.54%.
Every estimate here is for a borrower with 760–779 credit. Purchase estimates assume 20% down, and refinance estimates assume 20% equity in the home.
The past month
This week's moves came on top of a larger climb. Over the past 30 days, the 30-year fixed purchase estimate rose by 0.62 percentage points, and the refinance estimate rose by 0.62 percentage points.
The 15-year fixed rose by 0.60 percentage points for a purchase and 0.60 percentage points for a refinance over the same stretch, despite this week's small dip. The 5/6 adjustable-rate estimates rose less, by 0.17 percentage points for a purchase and 0.17 percentage points for a refinance.
The past year
Today's 30-year fixed estimates are the highest of the past year: 7.39% for a purchase and 7.44% for a refinance. Their lows came on Feb 27, 2026, at 5.86% for a purchase and 5.91% for a refinance.
The 15-year fixed sits just below its own high for the year. That high was 6.80% for a purchase and 6.80% for a refinance, reached on Oct 5, 2026. Its low was 5.24% for a purchase and 5.24% for a refinance, on Feb 13, 2026.
The 5/6 adjustable-rate estimates sit between their extremes. Their year highs came at the very start of the period, on Oct 9, 2025: 5.69% for a purchase and 5.74% for a refinance. Their lows came on Mar 17, 2026, at 5.18% for a purchase and 5.24% for a refinance.
The benchmarks
The estimates follow the average prime offer rates, or APOR, a weekly benchmark that federal regulators publish. All three rose.
The APOR for the 30-year fixed stands at 7.49% for the week beginning Oct 12, 2026. That is up from 7.37% for the week beginning Oct 5, 2026. The APOR for the 15-year fixed rose to 6.94%, from 6.91%. The APOR for the 5/6 ARM rose to 6.50%, from 6.45%.
The 10-year Treasury yield, which mortgage rates broadly track, eased slightly this week. It closed at 5.24% on Oct 9, 2026, compared with 5.28% on Oct 2, 2026. That is a little below its past-year high of 5.31%, set on Oct 5, 2026. It is well above its low of 3.97% on Feb 27, 2026, the same day the 30-year fixed estimates bottomed. This week the yield and the 30-year fixed estimates moved in opposite directions, a reminder that the two do not move in lockstep from week to week.
Homeowners wondering how these figures bear on their own loan can use the site's refinance check.
Estimates, not offers · FFIEC, effective Oct 12, 2026 · Fannie Mae, dated Sep 30, 2026 · U.S. Treasury, Oct 9, 2026
Sources and licences
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.
Drafted with AI assistance (Claude) and edited by Samprit Biswas. Every figure is from the published estimates and rate history for Oct 9, 2026, filled in by the site, never typed. How the estimates are made.