Interest Rates · Mortgage rates

30-Year Mortgage Rate minus 10-Year Treasury

Mortgage spread: 2.04% (Oct 1, 2026).
A year earlier: 2.12% (Sep 25, 2025), a change of −0.08 pts.
Highest in the last 5 years: 3.26% (Nov 10, 2022); lowest: 1.41% (Oct 21, 2021).

Freddie Mac data is copyrighted and reprinted on FRED with permission, so this chart shows the last 5 years, as every third-party series on this site does. The full history is on FRED.

Year	Average	Year close
2022	2.39%	2.59%
2023	2.85%	2.77%
2024	2.51%	2.27%
2025	2.30%	1.97%
2026	1.96%	2.04%

Source: FRED MORTGAGE30US (30-Year Fixed Rate Mortgage Average in the United States); FRED DGS10 (Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity, Quoted on an Investment Basis). Federal Reserve Bank of St. Louis. 30-Year Fixed Rate Mortgage Average in the United States: copyrighted by its owner and reprinted on FRED with permission; retrieved from FRED, Federal Reserve Bank of St. Louis.

The interactive chart loads with JavaScript. All charts