Mortgage Rate Impact Lab

30-year mortgage rates

Latest verified 30-year fixed national benchmark: 6.66%, observed July 30, 2026. It is a market benchmark, not a personalized quote, APR, or offer.

Current weekly observationLatest verified source observation is within the 14-day freshness window.

30-year fixed benchmark

6.66%

Observed
July 30, 2026
Retrieved
August 5, 2026
Five-week history for the 30-year fixed benchmark Five weekly observations: 6.43 percent, 6.49 percent, 6.55 percent, 6.58 percent, 6.66 percent. 6.25%6.63%7.00% 6.43Jul 26.49Jul 96.55Jul 166.58Jul 236.66Jul 30
Weekly observations ending Thursday. Values are annual interest-rate percentages.

+0.08 pp week over week

Payment context

At this benchmark, a $100,000, 30-year fixed loan has estimated principal and interest of $642.63 per month. This excludes tax, insurance, mortgage insurance, HOA dues, points and closing costs.

See payment-per-$100,000 tables

Source and scope

Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Freddie Mac describes the comparable PMMS profile as conventional, conforming, owner-occupied purchase applications for a one-unit property, with good or excellent credit and 20% down.

This page shows the project’s verified five-week record only. For current methodology and longer historical data, check the original source.

Review formulas and primary sources Read the corrections policy