Mortgage Rate Watch · Freddie Mac weekly survey
Mortgage Rate Watch
The weekly national average for 30-year and 15-year fixed mortgages from Freddie Mac's Primary Mortgage Market Survey, pulled from the St. Louis Fed (FRED). Updated every Thursday.
30-year fixed
7.32%
▼ down 0.08 pts vs prior week (7.40%)
Monthly principal + interest on $400,000 over 30 years: $2,748
Week of 2026-10-22
15-year fixed
6.68%
▼ down 0.03 pts vs prior week (6.71%)
Monthly principal + interest on $400,000 over 15 years: $3,524
Week of 2026-10-22
Last 56 weeks
■ 30-year fixed ■ 15-year fixed
These are national averages, not offers. Freddie Mac's survey reports average rates for borrowers with strong credit and about 20% down; it is a rate survey, not an APR, and it doesn't include fees, points, taxes or insurance. Your rate and APR will differ. CashWars doesn't make, arrange or refer mortgages and earns nothing from this page. Payment math: standard amortization on a $400,000 loan, principal and interest only. Source: FRED MORTGAGE30US and MORTGAGE15US, Freddie Mac.
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