The Fed Gazette — an independent publication

Est. 2026 Vol. I, No. 6

The Fed Gazette

A civic journal of money and credit

Housing and rates

Mortgage Rates Today: 30-Year and 15-Year Fixed Rate Chart

The average 30-year fixed mortgage rate was 7.28% and the 15-year was 6.60% as of Oct 1, 2026, according to Freddie Mac’s weekly Primary Mortgage Market Survey, via GOVSPENDING.ORG.

Source: Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG · Published · Updated

The weekly average rate on a 30-year fixed mortgage and a 15-year fixed mortgage, with a chart back to 1971, what changed since last week, and a plain explanation. The figure is copied from the series as published. Nothing here is a forecast or a lender’s quote.

30-year and 15-year fixed mortgage rates today

PrintAs of30-year fixed rate15-year fixed rate
Latest weekly printOct 1, 20267.28%6.60%
Previous weekSep 24, 20267.03%6.42%
Same week a year earlierSep 25, 20256.30%5.49%

As of Oct 1, 2026 · Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG · MORTGAGE30US, 30-year fixed-rate mortgage average, weekly · original series MORTGAGE30US on FRED · MORTGAGE15US, 15-year fixed-rate mortgage average, weekly · Retrieved

30-year and 15-year mortgage rate chart

30-year and 15-year fixed mortgage rates over time

Average fixed mortgage rates from Freddie Mac's weekly survey, relayed by GOVSPENDING.ORG. Navy: 30-year. Red: 15-year. Percent, weekly. Each point is a stored weekly print.

5.00%5.50%6.00%6.50%7.00%7.50%Jan 26Apr 26Jul 26Oct 265.00%5.50%6.00%6.50%7.00%7.50%Jan 26Apr 26Jul 26Oct 26
2.00%4.00%6.00%8.00%202220232024202520262.00%4.00%6.00%8.00%20222023202420252026
2.00%4.00%6.00%8.00%201820202022202420262.00%4.00%6.00%8.00%20182020202220242026
0.00%5.00%10.00%15.00%20.00%197519801985199019952000200520102015202020250.00%5.00%10.00%15.00%20.00%197519851995200520152025
  • 30-year fixed 7.28% Oct 1, 2026
  • 15-year fixed 6.60% Oct 1, 2026

Source: Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG, MORTGAGE30US, 30-year fixed-rate mortgage average, weekly · as of · retrieved

Source: Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG, MORTGAGE15US, 15-year fixed-rate mortgage average, weekly · as of · retrieved

Cite this

Cite the agency first. This paper is the place you read the figure, as of Oct 1, 2026.

  • APA Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG. (2026, October 1). 30-year fixed-rate mortgage average [Data set]. https://govspending.org/series/MORTGAGE30US/ Retrieved October 5, 2026, via The Fed Gazette, https://fedgazette.com/mortgage-rates/#chart-mortgage30
  • MLA Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG. “30-year fixed-rate mortgage average.” MORTGAGE30US, 30-year fixed-rate mortgage average, weekly, data as of 1 Oct. 2026, https://govspending.org/series/MORTGAGE30US/. Accessed 5 Oct. 2026 via The Fed Gazette, https://fedgazette.com/mortgage-rates/#chart-mortgage30.
  • Chicago Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG. “30-year fixed-rate mortgage average.” Data as of October 1, 2026. https://govspending.org/series/MORTGAGE30US/. Retrieved October 5, 2026 via The Fed Gazette, https://fedgazette.com/mortgage-rates/#chart-mortgage30.
Cite this

Cite the agency first. This paper is the place you read the figure, as of Oct 1, 2026.

  • APA Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG. (2026, October 1). 15-year fixed-rate mortgage average [Data set]. https://govspending.org/series/MORTGAGE15US/ Retrieved October 6, 2026, via The Fed Gazette, https://fedgazette.com/mortgage-rates/#chart-mortgage30
  • MLA Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG. “15-year fixed-rate mortgage average.” MORTGAGE15US, 15-year fixed-rate mortgage average, weekly, data as of 1 Oct. 2026, https://govspending.org/series/MORTGAGE15US/. Accessed 6 Oct. 2026 via The Fed Gazette, https://fedgazette.com/mortgage-rates/#chart-mortgage30.
  • Chicago Freddie Mac (Primary Mortgage Market Survey), via GOVSPENDING.ORG. “15-year fixed-rate mortgage average.” Data as of October 1, 2026. https://govspending.org/series/MORTGAGE15US/. Retrieved October 6, 2026 via The Fed Gazette, https://fedgazette.com/mortgage-rates/#chart-mortgage30.
Data
The last weekly print of each calendar quarter (a sample of the plotted lines)
As of30-year rate15-year rate
Jun 25, 19717.54%
Sep 24, 19717.67%
Dec 31, 19717.48%
Mar 31, 19727.23%
Jun 30, 19727.38%
Sep 29, 19727.43%
Dec 29, 19727.45%
Mar 30, 19737.49%
Jun 29, 19737.76%
Sep 28, 19738.85%
Dec 28, 19738.56%
Mar 29, 19748.41%
Jun 28, 19749.10%
Sep 27, 197410.03%
Dec 27, 19749.56%
Mar 28, 19758.86%
Jun 27, 19758.90%
Sep 26, 19759.14%
Dec 26, 19759.09%
Mar 26, 19768.75%
Jun 25, 19768.90%
Sep 24, 19768.97%
Dec 31, 19768.78%
Mar 25, 19778.70%
Jun 24, 19778.88%
Sep 30, 19778.90%
Dec 30, 19779.00%
Mar 31, 19789.25%
Jun 30, 19789.73%
Sep 29, 19789.78%
Dec 29, 197810.38%
Mar 30, 197910.45%
Jun 29, 197911.10%
Sep 28, 197911.35%
Dec 28, 197912.90%
Mar 28, 198016.03%
Jun 27, 198012.35%
Sep 26, 198013.43%
Dec 26, 198014.95%
Mar 27, 198115.40%
Jun 26, 198116.62%
Sep 25, 198118.36%
Dec 31, 198117.04%
Mar 26, 198217.04%
Jun 25, 198216.73%
Sep 24, 198215.19%
Dec 31, 198213.57%
Mar 25, 198312.86%
Jun 24, 198312.96%
Sep 30, 198313.65%
Dec 30, 198313.43%
Mar 30, 198413.55%
Jun 29, 198414.50%
Sep 28, 198414.26%
Dec 28, 198413.14%
Mar 29, 198513.29%
Jun 28, 198512.15%
Sep 27, 198512.17%
Dec 27, 198511.09%
Mar 28, 198610.10%
Jun 27, 198610.62%
Sep 26, 198610.10%
Dec 26, 19869.29%
Mar 27, 19879.03%
Jun 26, 198710.35%
Sep 25, 198711.02%
Dec 31, 198710.61%
Mar 25, 19889.99%
Jun 24, 198810.40%
Sep 30, 198810.42%
Dec 30, 198810.77%
Mar 31, 198911.19%
Jun 30, 198910.07%
Sep 29, 198910.16%
Dec 29, 19899.78%
Mar 30, 199010.22%
Jun 29, 199010.15%
Sep 28, 199010.22%
Dec 28, 19909.68%
Mar 29, 19919.52%
Jun 28, 19919.67%
Sep 27, 19918.92%8.59%
Dec 27, 19918.35%7.90%
Mar 27, 19928.98%8.63%
Jun 26, 19928.43%7.98%
Sep 24, 19928.02%7.48%
Dec 31, 19928.14%7.68%
Mar 26, 19937.50%7.01%
Jun 25, 19937.34%6.84%
Sep 24, 19936.95%6.47%
Dec 31, 19937.13%6.63%
Mar 25, 19947.80%7.30%
Jun 24, 19948.46%8.00%
Sep 30, 19948.82%8.31%
Dec 30, 19949.18%8.81%
Mar 31, 19958.38%7.96%
Jun 30, 19957.53%7.03%
Sep 29, 19957.62%7.16%
Dec 29, 19957.11%6.65%
Mar 29, 19967.69%7.19%
Jun 28, 19968.29%7.82%
Sep 27, 19968.16%7.68%
Dec 27, 19967.64%7.16%
Mar 28, 19977.97%7.48%
Jun 27, 19977.58%7.13%
Sep 26, 19977.28%6.86%
Dec 26, 19976.99%6.57%
Mar 27, 19987.08%6.69%
Jun 26, 19986.96%6.64%
Sep 25, 19986.64%6.32%
Dec 31, 19986.83%6.48%
Mar 26, 19996.98%6.61%
Jun 25, 19997.63%7.28%
Sep 24, 19997.76%7.40%
Dec 31, 19998.06%7.66%
Mar 31, 20008.23%7.84%
Jun 30, 20008.22%7.92%
Sep 29, 20007.88%7.53%
Dec 29, 20007.13%6.79%
Mar 30, 20016.91%6.46%
Jun 29, 20017.11%6.63%
Sep 28, 20016.72%6.23%
Dec 28, 20017.16%6.65%
Mar 29, 20027.18%6.69%
Jun 28, 20026.55%5.99%
Sep 27, 20025.99%5.41%
Dec 27, 20025.93%5.32%
Mar 28, 20035.91%5.21%
Jun 27, 20035.24%4.63%
Sep 26, 20035.98%5.30%
Dec 31, 20035.85%5.15%
Mar 25, 20045.40%4.70%
Jun 24, 20046.25%5.64%
Sep 30, 20045.72%5.12%
Dec 29, 20045.81%5.23%
Mar 31, 20056.04%5.58%
Jun 30, 20055.53%5.12%
Sep 29, 20055.91%5.48%
Dec 29, 20056.22%5.76%
Mar 30, 20066.35%6.00%
Jun 29, 20066.78%6.43%
Sep 28, 20066.31%5.98%
Dec 28, 20066.18%5.93%
Mar 29, 20076.16%5.86%
Jun 28, 20076.67%6.34%
Sep 27, 20076.42%6.09%
Dec 27, 20076.17%5.79%
Mar 27, 20085.85%5.34%
Jun 26, 20086.45%6.04%
Sep 25, 20086.09%5.77%
Dec 31, 20085.10%4.83%
Mar 26, 20094.85%4.58%
Jun 25, 20095.42%4.87%
Sep 24, 20095.04%4.46%
Dec 31, 20095.14%4.54%
Mar 25, 20104.99%4.34%
Jun 24, 20104.69%4.13%
Sep 30, 20104.32%3.75%
Dec 30, 20104.86%4.20%
Mar 31, 20114.86%4.09%
Jun 30, 20114.51%3.69%
Sep 29, 20114.01%3.28%
Dec 29, 20113.95%3.24%
Mar 29, 20123.99%3.23%
Jun 28, 20123.66%2.94%
Sep 27, 20123.40%2.73%
Dec 27, 20123.35%2.65%
Mar 28, 20133.57%2.76%
Jun 27, 20134.46%3.50%
Sep 26, 20134.32%3.37%
Dec 26, 20134.48%3.52%
Mar 27, 20144.40%3.42%
Jun 26, 20144.14%3.22%
Sep 25, 20144.20%3.36%
Dec 31, 20143.87%3.15%
Mar 26, 20153.69%2.97%
Jun 25, 20154.02%3.21%
Sep 24, 20153.86%3.08%
Dec 31, 20154.01%3.24%
Mar 31, 20163.71%2.98%
Jun 30, 20163.48%2.78%
Sep 29, 20163.42%2.72%
Dec 29, 20164.32%3.55%
Mar 30, 20174.14%3.39%
Jun 29, 20173.88%3.17%
Sep 28, 20173.83%3.13%
Dec 28, 20173.99%3.44%
Mar 29, 20184.44%3.90%
Jun 28, 20184.55%4.04%
Sep 27, 20184.72%4.16%
Dec 27, 20184.55%4.01%
Mar 28, 20194.06%3.57%
Jun 27, 20193.73%3.16%
Sep 26, 20193.64%3.16%
Dec 26, 20193.74%3.19%
Mar 26, 20203.50%2.92%
Jun 25, 20203.13%2.59%
Sep 24, 20202.90%2.40%
Dec 31, 20202.67%2.17%
Mar 25, 20213.17%2.45%
Jun 24, 20213.02%2.34%
Sep 30, 20213.01%2.28%
Dec 30, 20213.11%2.33%
Mar 31, 20224.67%3.83%
Jun 30, 20225.70%4.83%
Sep 29, 20226.70%5.96%
Dec 29, 20226.42%5.68%
Mar 30, 20236.32%5.56%
Jun 29, 20236.71%6.06%
Sep 28, 20237.31%6.72%
Dec 28, 20236.61%5.93%
Mar 28, 20246.79%6.11%
Jun 27, 20246.86%6.16%
Sep 26, 20246.08%5.16%
Dec 26, 20246.85%6.00%
Mar 27, 20256.65%5.89%
Jun 26, 20256.77%5.89%
Sep 25, 20256.30%5.49%
Dec 31, 20256.15%5.44%
Mar 26, 20266.38%5.75%
Jun 25, 20266.49%5.84%
Sep 24, 20267.03%6.42%
Oct 1, 20267.28%6.60%

Mortgage rates this week: what changed

The latest 30-year print, 7.28%, is higher than the previous week (Sep 24, 2026) print of 7.03%.

The latest 30-year print, 7.28%, is higher than the year-earlier week (Sep 25, 2025) print of 6.30%.

The latest 15-year print, 6.60%, is higher than the previous week (Sep 24, 2026) print of 6.42%.

The latest 15-year print, 6.60%, is higher than the year-earlier week (Sep 25, 2025) print of 5.49%.

This paper says only whether the latest stored print is higher than, lower than, or the same as an earlier stored print, and prints both. It does not compute a difference or a percent.

Week ending30-year fixed rate15-year fixed rate
Oct 1, 20267.28%6.60%
Sep 24, 20267.03%6.42%
Sep 17, 20266.95%6.26%
Sep 10, 20266.76%6.09%
Sep 3, 20266.71%6.04%
Aug 27, 20266.66%5.98%
Aug 20, 20266.65%5.95%
Aug 13, 20266.67%5.96%
Aug 6, 20266.69%6.01%
Jul 30, 20266.66%6.04%
Jul 23, 20266.58%5.96%
Jul 16, 20266.55%5.93%

What the 30-year and 15-year mortgage rates mean

This is the average rate on a 30-year fixed-rate home loan, with the 15-year fixed rate beside it, from Freddie Mac’s weekly Primary Mortgage Market Survey. Since November 2022, Freddie Mac has based the survey on loan applications that lenders send it, so the number reflects what borrowers were actually offered across the country that week.

A fixed rate stays the same for the life of the loan. The weekly average is a benchmark, not a quote: your own rate depends on your lender, your credit, the size of your down payment, and when you lock.

The Federal Reserve does not set mortgage rates, but they tend to move with the bond market. For the Fed’s own rates, see Fed rates today. For the long-term yields that mortgage rates are often compared with, see the Ledger.

Mortgage rate questions answered

What is the average 30-year mortgage rate today?

The average 30-year fixed mortgage rate was 7.28% and the 15-year was 6.60% as of Oct 1, 2026, according to Freddie Mac’s weekly Primary Mortgage Market Survey, via GOVSPENDING.ORG.

Is this the rate I will get?

No. It is a national weekly average of rates reported to Freddie Mac. Your rate depends on your lender, your credit, your down payment, the loan, and the day you lock it.

How often does the mortgage rate update?

Once a week. Freddie Mac publishes the survey weekly, and this page copies the latest weekly print. The as-of date is printed beside the figure.

Does the Federal Reserve set mortgage rates?

No. Lenders set mortgage rates. The Fed sets a target range for the federal funds rate, which is an overnight rate between banks, and mortgage rates are priced in the market. The Fed Gazette prints both so you can compare them, on the Fed rates page.

What is the 15-year mortgage rate?

It is the same weekly survey for a 15-year fixed loan. The 15-year rate is shown beside the 30-year rate in each table and as the red line on the chart.