Freddie Mac average for the week of November 5, 2026 · 15-year 6.57%
30-year fixed at 7.18%
$2,032 a month| Year | 30-year fixed | 15-year fixed | Payment on $300,000 |
|---|---|---|---|
| 2026 so far | 6.53% | 5.88% | $1,902 |
| 2025 | 6.60% | 5.78% | $1,915 |
| 2024 | 6.72% | 5.96% | $1,940 |
| 2023 | 6.81% | 6.11% | $1,957 |
| 2022 | 5.34% | 4.58% | $1,674 |
| 2021 | 2.96% | 2.27% | $1,258 |
| 2020 | 3.11% | 2.60% | $1,283 |
| 2019 | 3.94% | 3.39% | $1,421 |
| 2018 | 4.54% | 4.00% | $1,528 |
| 2017 | 3.99% | 3.27% | $1,430 |
| 2016 | 3.65% | 2.93% | $1,373 |
| 2015 | 3.85% | 3.09% | $1,407 |
| 2014 | 4.17% | 3.29% | $1,462 |
| 2013 | 3.98% | 3.10% | $1,428 |
| 2012 | 3.66% | 2.93% | $1,374 |
| 2011 | 4.45% | 3.68% | $1,511 |
| 2010 | 4.69% | 4.10% | $1,554 |
| 2009 | 5.04% | 4.57% | $1,617 |
| 2008 | 6.03% | 5.62% | $1,804 |
| 2007 | 6.34% | 6.03% | $1,864 |
| 2006 | 6.41% | 6.07% | $1,879 |
| 2005 | 5.87% | 5.42% | $1,773 |
| 2004 | 5.84% | 5.21% | $1,768 |
| 2003 | 5.83% | 5.17% | $1,765 |
| 2002 | 6.54% | 5.98% | $1,904 |
| 2001 | 6.97% | 6.50% | $1,989 |
| 2000 | 8.05% | 7.72% | $2,212 |
| 1999 | 7.44% | 7.06% | $2,085 |
| 1998 | 6.94% | 6.59% | $1,984 |
| 1997 | 7.60% | 7.13% | $2,118 |
| 1996 | 7.81% | 7.32% | $2,161 |
| 1995 | 7.93% | 7.48% | $2,188 |
| 1994 | 8.38% | 7.89% | $2,281 |
| 1993 | 7.31% | 6.82% | $2,060 |
| 1992 | 8.39% | 7.94% | $2,283 |
| 1991 | 9.25% | 8.40% | $2,467 |
| 1990 | 10.13% | — | $2,661 |
| 1989 | 10.32% | — | $2,704 |
| 1988 | 10.34% | — | $2,709 |
| 1987 | 10.21% | — | $2,680 |
| 1986 | 10.19% | — | $2,674 |
| 1985 | 12.43% | — | $3,186 |
| 1984 | 13.88% | — | $3,526 |
| 1983 | 13.24% | — | $3,374 |
| 1982 | 16.04% | — | $4,045 |
| 1981 | 16.64% | — | $4,190 |
| 1980 | 13.74% | — | $3,493 |
| 1979 | 11.20% | — | $2,903 |
| 1978 | 9.64% | — | $2,554 |
| 1977 | 8.85% | — | $2,381 |
| 1976 | 8.87% | — | $2,385 |
| 1975 | 9.05% | — | $2,424 |
| 1974 | 9.19% | — | $2,454 |
| 1973 | 8.04% | — | $2,211 |
| 1972 | 7.38% | — | $2,074 |
| 1971 | 7.54% | — | $2,106 |
Average of the weekly survey rates in each year. Payment is loan and interest on a 30-year fixed at that year’s average.
Source: Freddie Mac, Primary Mortgage Market Survey, data through November 5, 2026.
insytesBI. (2026). Mortgage rates today: 7.18% for a 30-year fixed. Data: Freddie Mac, Primary Mortgage Market Survey, November 5, 2026. https://www.insytesbi.com/economy/mortgage-rates/<a href="https://www.insytesbi.com/economy/mortgage-rates/">Mortgage rates today: 7.18% for a 30-year fixed</a>7.18% for the week of November 5, 2026, from Freddie Mac’s Primary Mortgage Market Survey of lenders. The 15-year fixed averaged 6.57%. Your own rate depends on your credit score, down payment and points.
6.17% for a 30-year fixed in the week of October 30, 2025, so rates are up 1.01 points since then.
6.60% for a 30-year fixed and 5.78% for a 15-year, the average of 53 weekly surveys. 2026 so far averages 6.53%.
2.65% for a 30-year fixed, in the week of January 7, 2021. The highest was 18.63% in the week of October 9, 1981. The survey began in 1971.
On a $300,000 30-year loan, 7.18% costs $2,032 a month and 6.18% costs $1,834: $199 less a month and $71,564 over the loan.