Want to purchase a home or refinance your existing one? These are the mortgage interest rates to know right now.

Currently, the average interest rate on a 30-year fixed mortgage is 6.02%, compared to 6.12% a week ago, according to the Mortgage Research Center. For borrowers who want to pay off their home faster,

The average interest rate on a 30-year, fixed-rate mortgage dropped to 5.77% APR, according to rates provided to NerdWallet by Zillow. This is 12 basis points lower than yesterday and 36 basis points lower than a week ago. (See our chart below for more specifics.) A basis point is one one-hundredth of a percentage point.

Mortgage interest rates have been gradually declining, but will they continue to fall this month? Here's what to know.

Among the 21 mortgage rate forecasts tracked by ResiClub, the average prediction is 6.18% for calendar year 2026. Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter.

Low mortgage rates from the COVID era might still be attainable for homebuyers, if they find the right house and have the cash.

According to data from Homes.com, in the second half of 2025, more homeowners had mortgages with rates at or above 6% than those with loans below 3%.