Interest Rates · Mortgage rates

30-Year Mortgage Rate vs 10-Year Treasury

30-year mortgage: 7.28% (Oct 1, 2026).
A year earlier: 6.30% (Sep 25, 2025), a change of +0.98 pts.
Highest in the last 5 years: 7.79% (Oct 26, 2023); lowest: 2.98% (Nov 10, 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	5.34%	6.42%
2023	6.81%	6.61%
2024	6.72%	6.85%
2025	6.60%	6.15%
2026	6.43%	7.28%

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