Metric explainer · Reviewed August 25, 2026

30-Year Fixed Mortgage Rate

Mortgage rates eased but remain in the mid-6% range, so payment pressure is still central to buyer decisions.

Geography: United States · Data period: Week ending July 2, 2026 · Property segment: All residential unless stated

United StatesRates and payment pressure

30-Year Fixed Mortgage Rate

6.43%

-0.06 percentage points from June 25, 2026

Mortgage rates eased but remain in the mid-6% range, so payment pressure is still central to buyer decisions.

Older context · newer release expectedData period: Week ending July 2, 2026Page reviewed: 2026-08-25Source retrieved: 2026-07-03Expected cadence: weekly

See what this number means for sellers, buyers, and your property

Seller meaning: Sellers should expect buyers to weigh monthly payment, credits, and rate buydowns alongside list price.
Buyer meaning: A small rate move can change affordability quickly, so payment scenarios should be checked before offers.
Property relevance: Show payment sensitivity in seller and buyer private reports.
Limitation: The national weekly rate is a payment context signal. It is not a lender quote or a prediction of the next rate move.

Source: FRED 30-year fixed mortgage rate · Methodology

How to read it

This number is evidence, not a conclusion.

Show payment sensitivity in seller and buyer private reports.

Comparison: Prior published observation · -0.06 percentage points from June 25, 2026

Timing: This source is published weekly; the observation shown here is dated Week ending July 2, 2026.

Limitation: The national weekly rate is a payment context signal. It is not a lender quote or a prediction of the next rate move.

Read source and methodology details