30-year mortgage rate: latest number
Latest (Oct 8, 2026)
7.40%
Previous: 7.28% (Oct 1, 2026); change +0.12 pts.
Source: FRED, Federal Reserve Bank of St. Louis (series MORTGAGE30US).
What it is
This is Freddie Mac's weekly average rate on a 30-year fixed-rate mortgage in the US.
What it means for you
Each percentage point on a mortgage rate changes the monthly payment on a $300,000 loan by roughly $180-$200. Freddie Mac publishes this survey weekly, usually on Thursdays.
FAQ
What is the latest 30-year mortgage rate?
The latest 30-year mortgage rate reading is 7.40% for Oct 8, 2026.
When is the next 30-year mortgage rate release?
Freddie Mac publishes this survey weekly, usually on Thursdays.