What you’re paying to borrow
US average mortgage rates, mid-July 2026, %.
About this data
As of mid-July 2026 the 30-year fixed averaged 6.55% and the 15-year fixed 5.93% (Freddie Mac). Forecasters expect rates to hold in the low-to-mid 6% range through 2026 — high enough to keep affordability strained, but stable rather than rising.
US average mortgage rates, mid-July 2026 (%). Rates have settled into the low-to-mid 6% range and are expected to stay there through 2026.
View data & sources →Data table
| pct | label | series | source_ref | value_basis |
|---|---|---|---|---|
| 6.55 | 30-yr fixed | rates_now | freddie-pmms | 30-year fixed-rate mortgage averaged 6.55% (Freddie Mac PMMS, week of Jul 16 2026) |
| 5.93 | 15-yr fixed | rates_now | freddie-pmms | 15-year fixed-rate mortgage averaged 5.93% (Freddie Mac PMMS, week of Jul 16 2026) |
Methodology & sources
Last updated: Jul 17, 2026Methodology
Two source-backed charts: current US benchmark mortgage rates (%) and 2026 home-price growth forecasts (%) across five major forecasters. Rates trace to the Freddie Mac PMMS (30-yr 6.55%, 15-yr 5.93%, week of Jul 16 2026). Price-growth forecasts (NAR +4.0%, Fannie Mae +3.2%, Realtor.com +2.2%, Zillow +1.2%, MBA +0.6%) trace to the cited 2026 forecast roundup. CAVEAT: forecasters use slightly different price measures (median sale price vs home-value index), so the bars show the spread of outlooks, not a single consensus number. Re-verified 2026-07-17.
Comparisons are informative, not definitive. See each source for definitions and limits.