Average mortgage rates over time
The average 30-year fixed mortgage rate in the United States, every week since 1971, from Freddie Mac's weekly survey of lenders.
Built by the Tribune's code from official data. No AI wrote this page. Latest data: week of Oct. 29, 2026. Updated every week when Freddie Mac publishes, usually Thursday.
7.24%
Week of Oct. 29, 2026
6.17%
A year earlier
2.65%
10-year low (January 2021)
18.63%
Record high (October 1981)
Hover over or tap the chart to see each week's figure.
The average 30-year fixed mortgage rate was 7.24% in the week of Oct. 29, 2026, according to Freddie Mac, up from 6.17% a year earlier.
Over the past 10 years the rate has ranged from 2.65% (week of Jan. 7, 2021) to 7.79% (week of Oct. 26, 2023).
Since Freddie Mac's weekly survey began in 1971, the highest rate was 18.63% (week of Oct. 9, 1981) and the lowest was 2.65% (week of Jan. 7, 2021).
| Year | Highest week | Lowest week |
|---|---|---|
| 2026 (so far) | 7.40% (Oct. 15) | 5.98% (Feb. 26) |
| 2025 | 7.04% (Jan. 16) | 6.15% (Dec. 31) |
| 2024 | 7.22% (May 2) | 6.08% (Sept. 26) |
| 2023 | 7.79% (Oct. 26) | 6.09% (Feb. 2) |
| 2022 | 7.08% (Nov. 10) | 3.22% (Jan. 6) |
| 2021 | 3.18% (April 1) | 2.65% (Jan. 7) |
| 2020 | 3.72% (Jan. 2) | 2.66% (Dec. 24) |
| 2019 | 4.51% (Jan. 3) | 3.49% (Sept. 5) |
| 2018 | 4.94% (Nov. 15) | 3.95% (Jan. 4) |
| 2017 | 4.30% (March 16) | 3.78% (Sept. 14) |
| 2016 | 4.32% (Dec. 29) | 3.41% (July 7) |
| 2015 | 4.09% (July 16) | 3.59% (Feb. 5) |
| 2014 | 4.53% (Jan. 2) | 3.80% (Dec. 18) |
| 2013 | 4.58% (Aug. 22) | 3.34% (Jan. 3) |
| 2012 | 4.08% (March 22) | 3.31% (Nov. 21) |