Current Mortgage Rates September 2026 | As Low As 5.25%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current mortgage rates include Pearl Hawaii Federal Credit Union1288 Ala Moana Blvd Ste 106, Ewa Beach, HI, 96706 2268A+5.0 ★Texas Ratio: 1.61% at 5.25%, Chemcel Federal Credit Union1901 S US Highway 77 Byp, Alice, TX, 77414 3890A+5.0 ★Texas Ratio: 3.98% at 5.50%, Institution for Savings112 County Rd, Amesbury, MA, 01913A+5.0 ★Texas Ratio: 0.22% at 5.50%, Advance Financial Federal Credit Union31 W US Highway 30, East Chicago, IN, 46312A+5.0 ★Texas Ratio: 1.82% at 5.62%, and Florence Bank1 Main St, Amherst, MA, 01002A+5.0 ★Texas Ratio: 2.70% at 5.62%. Mortgage rates as of September 24, 2026 according to verified data from MonitorBankRates.
We compared 6,888 mortgage rates from 1,134 banks and credit unions across all 50 states to help you find the best 30-year fixed, 15-year fixed, ARM, FHA, VA, and jumbo mortgage rates.
Finding the lowest mortgage rate can save you thousands over the life of your loan. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated lenders and national banks is critical. We empower borrowers with transparent financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can choose a stable, highly-rated institution with confidence.
Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: September 24, 2026
Compare Mortgage Rates Today Across the United States
30 Year Fixed Mortgage Rates
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As Low As; Payment Example Based on A-Tier rate of $100,000: $552.20
Rates include all possible discounts. APR stands for Annual Percentage Rate. Rates subject to change at any time. All loans subject to approval and terms.
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As Low As; Payment Example Based on A-Tier rate of $100,000: $567.79
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Rates starting at
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Owner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
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without DPA
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Term: 30 Year Fixed (or 360 monthly payments); Term Up to 80% Loan to Value
Term: 30 Year Fixed (or 360 monthly payments)
Published APR range: As low as 5.99%; Published rate range: As low as 5.850%. As low as; Rate: 5.850%
As low as; As low as
Based on a $500,000 loan on a primary or second home in 1st lien position, with an 80% LTV.
As Low As
As Low As
Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
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- Sep 18, 20266.07%▼ from 6.52%
- Sep 17, 20266.52%▲ from 6.39%
- Sep 12, 20266.39%first recorded
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Comparison to FL Average
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Advertised rates shown based on a 780+ credit score, 25% down payment, and 0.125% discount for auto-pay deducted from United Ultra or Free Checking account each month. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
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- Sep 20, 20266.17%▲ from 6.04%
- Sep 14, 20266.04%first recorded
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Up to 89% financing with no mortgage insurance required.
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Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
All rates are for single-family owner-occupied purchase or refinance. Conventional mortgage rates are based on credit scores of 620 and above. Rates can vary for extended rate lock terms. All rates, terms and conditions are subject to change without notice. Loans are subject to credit approval.
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AS LOW AS 6.25 % 5 YEAR RATE LOCK WITH NO POINTS
Loan Amounts: Up To $250,000
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APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
APR as low as
According to Forbes, an average annual percentage rate of 6.29% represents the standard for a benchmark 30-year fixed home loan.
Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
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with up to $500 off closing costs.
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15 Year Fixed Mortgage Rates
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Terms and Conditions
As Low As
As Low As
**THESE PROMOTIONAL RATES ARE AVAILABLE FOR A LIMITED TIME AS APPROVED BY THE CMC FEDERAL CREDIT UNION BOARD OF DIRECTORS**
As Low As; Max LTV: Up to 95%
with up to $500 off closing costs.
Rate as low as 5.25% with a 5.328%APR* for 15 Years
Term: 15 Year Fixed (or 180 monthly payments); Term Up to 80% Loan to Value
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Term: 15 Year Fixed (or 180 monthly payments)
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Contact the credit union for details.
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As Low As;
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- Sep 22, 20265.61%▼ from 6.37%
- Sep 18, 20266.37%▼ from 6.62%
- Sep 14, 20266.62%first recorded
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- Sep 18, 20265.62%▼ from 6.03%
- Sep 17, 20266.03%▲ from 5.90%
- Sep 12, 20265.90%first recorded
Up to 1.0 points**
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From 80.01% - 100.00% LTV
Add .25% for loans less than $100,000.
From 80.01% - 100.00% LTV
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Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Updated 09/19/2025
Owner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
Loan amount not to exceed $499,999
- Sep 20, 20265.70%▼ from 7.23%
- Sep 17, 20267.23%▲ from 6.98%
- Sep 14, 20266.98%first recorded
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 5.525% interest rate, the APR for this loan type is 5.706%. The payment schedule would be: 179 payments of $1,636.82 at an interest rate of 5.525% 1 payment of $1,637.12 at an interest rate of 5.525% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.
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From 80.01% - 100.00% LTV
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APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
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Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
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Available on primary residences located in the state of South Carolina. Rate determined by creditworthiness and lien position, so your rate may differ. The APR range is from 4.00% to a maximum of 18%. Minimum loan amount is $10,000.
First Mortgage - Primary Residence Only
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Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
80% Loan to Value
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5/1 ARM Mortgage Rates
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As Low As
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- Sep 22, 20265.13%▲ from 4.88%
- Sep 18, 20264.88%first recorded
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As Low As
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with closing costs
- Sep 21, 20265.50%▼ from 6.50%
- Sep 21, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
30-Year Jumbo Mortgage Rates
Available on deposits of $5,000,000 or more.
- Sep 21, 20264.28%▲ from 4.19%
- Sep 18, 20264.19%first recorded
Available on deposits of $5,000,000 or more.
- Sep 21, 20264.35%▲ from 4.26%
- Sep 18, 20264.26%first recorded
Available on deposits of $5,000,000 or more.
- Sep 21, 20264.47%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Jumbo Mortgages (Greater than $832,750)
$832,750
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As Low As; Estimated Payment per $10,000: $109.77
- Sep 20, 20265.94%▲ from 5.69%
- Sep 14, 20265.69%first recorded
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As low as; Estimated Payment per $10,000: $109.77
- Sep 20, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Annual Percentage Rate (APR) as of 09/23/2026 and is subject to change without notice. The APR assumes a single-family, owner-occupied purchase or refinance with 20% equity and a loan amount of $806,501. The payment amounts shown do not include real estate taxes and homeowner's insurance premiums. Subject to credit approval. Interest rates can change at any time. Any loan request over $1,000,000 will be considered and priced on a case-by-case basis.
Loans up to $2Million
Up to 1.0 points**
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Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
Loan Amount $832,751-$2,000,000 - Apply Now
Term: Jumbo - 30 Year Fixed
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15-Year Jumbo Mortgage Rates
Available on deposits of $5,000,000 or more.
- Sep 21, 20264.28%▲ from 4.19%
- Sep 18, 20264.19%first recorded
Available on deposits of $5,000,000 or more.
- Sep 21, 20264.35%▲ from 4.26%
- Sep 18, 20264.26%first recorded
Available on deposits of $5,000,000 or more.
- Sep 21, 20264.47%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Jumbo Mortgages (Greater than $832,750)
$832,750
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Up to 1.0 points**
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Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
As low as; As low as 5.750%
- Sep 18, 20265.90%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Estimated Payment per $10,000: $109.77
- Sep 20, 20265.94%▲ from 5.69%
- Sep 14, 20265.69%first recorded
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As low as; Estimated Payment per $10,000: $109.77
- Sep 20, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Annual Percentage Rate (APR) as of 09/23/2026 and is subject to change without notice. The APR assumes a single-family, owner-occupied purchase or refinance with 20% equity and a loan amount of $806,501. The payment amounts shown do not include real estate taxes and homeowner's insurance premiums. Subject to credit approval. Interest rates can change at any time. Any loan request over $1,000,000 will be considered and priced on a case-by-case basis.
$832,750
Loans up to $2Million
Up to 1.0 points**
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Term: 15-Year Fixed Rate Jumbo
Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
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- Sep 18, 20266.15%▲ from 5.78%
- Sep 14, 20265.78%first recorded
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Term: 15-Year Fixed Rate Jumbo
As Low As; Jumbo Fixed-Rate Mortgages
As Low As; Estimated Payment per $10,000: $84.39
- Sep 20, 20266.22%▲ from 5.96%
- Sep 14, 20265.96%first recorded
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Fee: 0.500%
As low as; Estimated Payment per $10,000: $84.39
- Sep 20, 20266.26%▲ from 6.00%
- Sep 14, 20266.00%first recorded
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Term: 15-Year Fixed Rate Jumbo
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As Low As; Jumbo Fixed-Rate Mortgages
Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
Loan Amount $832,751-$2,000,000 - Apply Now
Jumbo loan amounts over the High Balance County Loan Limit; maximum LTV is 70% for $2.5M. Payment examples based on 20% down payment or 80% CLTV, FICO 700+, $1,249,125 Loan Amounts. Rates as of 8/11/2026. Offer is for new applications only and not valid for refinancing existing WPCCU loans. Rates valid for a limited time only and may be withdrawn at any time.
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Term: 15-Year Fixed Rate Jumbo
Term: Jumbo - 30 Year Fixed
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5/1 Jumbo ARM Mortgage Rates
As low as
- Sep 20, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
As Low As; Estimated Payment per $10,000: $58.36
- Sep 20, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
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- Sep 22, 20265.88%▲ from 5.68%
- Sep 14, 20265.68%first recorded
As low as; As low as 5.750%
- Sep 18, 20265.90%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Margin: 2.500%; Caps: 2/2/6
- Sep 18, 20266.15%▲ from 6.02%
- Sep 14, 20266.02%first recorded
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- Sep 17, 20266.20%▲ from 6.18%
- Sep 14, 20266.18%first recorded
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Amount: $832,751 to $2,500,000
- Sep 22, 20266.27%▼ from 6.32%
- Sep 18, 20266.32%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Margin: 2.375%; Caps: 2/2/5
- Sep 18, 20266.27%▲ from 6.15%
- Sep 14, 20266.15%first recorded
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780.
Amount: $832,751 to $2,500,000
- Sep 18, 20266.32%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Amount: $832,751 to $2,500,000
- Sep 22, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%▲ from 6.37%
- Sep 14, 20266.37%first recorded
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As low as Rates
FHA Loan Rates
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- Sep 21, 20265.73%▲ from 5.36%
- Sep 14, 20265.36%first recorded
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- Sep 21, 20266.04%▲ from 5.97%
- Sep 14, 20265.97%first recorded
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As Low As
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
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- Sep 18, 20266.58%▲ from 6.32%
- Sep 14, 20266.32%first recorded
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- Sep 18, 20266.58%▲ from 6.32%
- Sep 14, 20266.32%first recorded
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As low as Rates
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As Low As; Estimated Payment per $10,000: $83.04
- Sep 20, 20266.72%▲ from 6.60%
- Sep 14, 20266.60%first recorded
Fixed
- Sep 20, 20266.75%▲ from 6.49%
- Sep 12, 20266.49%first recorded
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- Sep 22, 20266.76%▲ from 6.66%
- Sep 18, 20266.66%▲ from 6.65%
- Sep 14, 20266.65%first recorded
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- Sep 22, 20266.80%▲ from 6.71%
- Sep 14, 20266.71%first recorded
As of September 18, 2026
- Sep 22, 20266.80%▲ from 6.71%
- Sep 14, 20266.71%first recorded
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The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice.
- Sep 18, 20266.87%▲ from 6.74%
- Sep 14, 20266.74%first recorded
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Interest rates shown are the lowest available rates and are subject to credit approval and underwriting guidelines. Actual rate and APR may vary based on creditworthiness, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Adjustable-rate mortgage (ARM) rates and payments may increase after the initial fixed-rate period. HELOC rates may be variable. Membership eligibility required. Interest rates do not include closing costs, prepaid finance charges, escrow requirements, or other fees that may increase the APR. Equal Housing Lender. NMLS #411940
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- Sep 21, 20266.88%▲ from 6.76%
- Sep 14, 20266.76%first recorded
Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144
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As low as
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- Sep 21, 20266.92%▲ from 6.85%
- Sep 18, 20266.85%first recorded
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- Sep 21, 20266.94%▼ from 7.01%
- Sep 17, 20267.01%▼ from 19.99%
- Sep 14, 202619.99%first recorded
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As Low As
As low as Rates
- Sep 22, 20267.00%▲ from 6.67%
- Sep 18, 20266.67%first recorded
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- Sep 17, 20267.01%▼ from 19.99%
- Sep 14, 202619.99%first recorded
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- Sep 21, 20267.07%▼ from 7.09%
- Sep 17, 20267.09%▲ from 6.98%
- Sep 14, 20266.98%first recorded
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- Sep 18, 20267.07%▲ from 6.82%
- Sep 14, 20266.82%first recorded
Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply.
- Sep 18, 20267.08%▲ from 6.95%
- Sep 14, 20266.95%first recorded
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- Sep 22, 20267.08%▲ from 7.06%
- Sep 18, 20267.06%first recorded
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- Sep 21, 20267.09%▲ from 6.96%
- Sep 17, 20266.96%first recorded
Federal Housing Administration loan paid off in a set number of years (term), typically 30 or 15 years. The interest rate remains the same for the entire life of the mortgage. Learn More
- Sep 22, 20267.12%▲ from 6.99%
- Sep 14, 20266.99%first recorded
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- Sep 18, 20267.15%▲ from 6.51%
- Sep 14, 20266.51%first recorded
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- Sep 17, 20267.15%▲ from 7.07%
- Sep 12, 20267.07%first recorded
VA Loan Rates
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Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.
- Sep 18, 20266.21%▲ from 6.08%
- Sep 14, 20266.08%first recorded
As Low As; VA Home Loan Rates
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- Sep 17, 20266.39%▲ from 6.26%
- Sep 14, 20266.26%first recorded
As Low As; VA Loan
- Sep 20, 20266.41%▲ from 6.28%
- Sep 14, 20266.28%first recorded
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- Sep 18, 20266.43%▲ from 6.30%
- Sep 14, 20266.30%first recorded
Rates are subject to change without notice.
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As Low As
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
Rates unchanged since September 23, 2026.
- Sep 24, 20266.50%▲ from 6.00%
- Sep 15, 20266.00%first recorded
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- Sep 17, 20266.51%▲ from 6.39%
- Sep 14, 20266.39%first recorded
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Rate: 6.25%*
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.
- Sep 18, 20266.55%▲ from 6.43%
- Sep 14, 20266.43%first recorded
Term: 5/6 ARM 30-Year Variable
Term: 7/6 ARM 30-Year Variable
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- Sep 22, 20266.65%▼ from 6.65%
- Sep 18, 20266.65%▲ from 6.52%
- Sep 14, 20266.52%first recorded
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As low as Rates
As low as Rates
As low as Rates
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100% LTV
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- Sep 18, 20266.74%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As
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- Sep 17, 20266.76%▲ from 6.63%
- Sep 14, 20266.63%first recorded
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- Sep 18, 20266.77%▲ from 6.64%
- Sep 14, 20266.64%first recorded
Max LTV: 100%
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VA Purchase 0% Down
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- Sep 21, 20266.79%▲ from 6.66%
- Sep 17, 20266.66%first recorded
Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply.
- Sep 18, 20266.79%▲ from 6.66%
- Sep 14, 20266.66%first recorded
No additional details available.
- Sep 18, 20266.79%▲ from 6.41%
- Sep 14, 20266.41%first recorded
No additional details available.
- Sep 18, 20266.79%▲ from 5.99%
- Sep 14, 20265.99%first recorded
No additional details available.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Mortgage Rate Trends
Weekly mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
The national 30-year fixed average mortgage rate rose 0.010 points this week to 6.983%, according to MonitorBankRates trend data.
The national 15-year fixed average mortgage rate rose 0.014 points this week to 6.562%, according to MonitorBankRates trend data.
National Mortgage Rate Forecast, Next 12 Months
Where are U.S. mortgage rates headed through September 2027?
Based on Fed funds rate futures, 10-year Treasury yield path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for U.S. Home Buyers
Monthly principal & interest on U.S. median home of $303,400 with 20% down, 30-year fixed (U.S. Census Bureau)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (National avg) | 6.983% | $1,612 | — | 24% |
| 6-Month Forecast | 6.983% (6.63–7.28%) | $1,612 | +$0/mo | 24% |
| 12-Month Forecast | 7.233% (6.88–7.53%) | $1,653 | +$41/mo | 24.6% |
Income column = annual mortgage payment as % of U.S. median household income ($80,734). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated composite score measuring how affordable homeownership is nationally. Compiled by MonitorBankRates using housing and income indicators from the U.S. Census Bureau.
What the Score Measures
The MBR-HAI answers a single question: how affordable is homeownership today, relative to the national baseline? Scores update each morning, computed from rate data captured the previous night. The index reflects current homeownership conditions across all 50 states, not estimated rates, not rate sheet averages, and not survey data.
Today's national score of 98.3 reflects current homeownership conditions across the country. The score is positioned against a long-run baseline so readers can quickly gauge whether conditions are more or less affordable than the historical norm.
Scores update each morning, computed from rate data captured the previous night. Compiled by MonitorBankRates using housing and income indicators from the U.S. Census Bureau. Full methodology
How Mortgage Rates Impact Home Affordability in the U.S.
National Housing Market Overview
The median owner-occupied home value in the United States is approximately $303,400, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit is $832,750 for most counties, with higher limits in designated high-cost areas.
National Homeownership Rate
Monthly Payment Estimates for U.S. Home Buyers
Based on a 20% down payment on the national median home value, a $240,000 loan at current national average rates:
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.483% | 30-year fixed | $1,514 | $305,141 |
| 6.983% Current Avg | 30-year fixed | $1,594 | $333,835 |
| 7.483% | 30-year fixed | $1,675 | $363,116 |
| 6.562% | 15-year fixed | $2,099 | $137,792 |
A 0.500% rate increase on a $240,000 loan adds roughly $81 per month and over $29,281 in total interest over 30 years. That’s why comparing verified rates from multiple lenders, using the table above, is one of the most impactful financial decisions a home buyer can make.
Compiled by MonitorBankRates using data from the U.S. Census Bureau and the Federal Housing Finance Agency. Monthly payments shown are principal & interest only.
U.S. Income & Housing Affordability
At a price-to-income ratio of 3.8x, the national housing market reflects moderate affordability pressure across most regions, though that average masks significant variation between high-cost coastal markets and more affordable interior metros.
What This Means for U.S. Buyers
With a national median household income of $80,734 per year ($6,728/month) and a median home value of approximately $303,400, a typical buyer financing at 80% LTV at current average rates would spend roughly 23.7% of gross monthly income on principal and interest alone. that falls within a manageable range, though taxes, insurance, and PMI will add to the true monthly cost.
Compiled by MonitorBankRates using data from the U.S. Census Bureau. Payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in the U.S.
A mortgage payment is only part of what homeowners pay each month. Property taxes, insurance, and utilities add hundreds of dollars more, and the gap between owning and renting varies dramatically depending on where you live.
Owner vs. Renter Costs
Housing Cost Burden
Nationally, 28% of mortgage holders spend more than 30% of gross household income on housing, the federal threshold for “cost burdened.” For renters, that figure is 47.6%. Nearly one in four renters (24.1%) are severely cost burdened, spending 50% or more of income on rent alone.
These national averages mask significant geographic variation. In high-cost metros like Los Angeles, San Francisco, and New York, owner cost burden rates exceed 40-45%, well above the national norm. In lower-cost markets across the Midwest and South, the same income goes substantially further. Use the state and city pages to see how your specific market compares.
Compiled by MonitorBankRates using data from the U.S. Census Bureau.
Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s rates. The home price is prefilled with the U.S. median home value. Adjust anything, or click a current national rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Home Loan
Rates are only part of the equation. Use these calculators to translate current national mortgage rates into real numbers for your specific situation, before you talk to a lender.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateEnter your current rate, remaining balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, monthly savings, and the break-even point, the number of months it takes for your savings to cover closing costs.
CalculateBuying isn’t always the better financial decision. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your time horizon.
CalculateTypes of Mortgages Available Nationwide
Not every loan program is right for every buyer. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly. Understanding the differences before you compare lenders can save thousands over the life of your loan.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially with current rates where locking in could protect against future increases.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically. The payment comparison table above shows exactly how those trade-offs look at today’s national rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan.
ARMs work best when you have a defined exit timeline. Rate caps govern how much the rate can move at each adjustment and over the life of the loan, so review those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
FHA loans carry an upfront MIP of 1.75% of the loan amount plus an annual MIP of 0.15%–0.75% depending on term and LTV. For many first-time buyers, FHA is the fastest path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% for first-time VA borrowers with no down payment, which can be financed into the loan.
Jumbo Loan
The 2026 FHFA conforming loan limit is $832,750 for most counties. Any mortgage above that threshold is a jumbo loan, falling outside Fannie Mae and Freddie Mac guidelines, meaning lenders carry the full risk and price it accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700+, substantial cash reserves, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates nationwide directly from the official websites of lenders, banks, and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products across the country. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national online lenders.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because mortgage rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own specific “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you are comparing rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates
What is a 30-Year Fixed Mortgage?
How does my credit score affect my rate?
What are closing costs?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan?
Do I need a 20% down payment?
What is the difference between Interest Rate and APR?
Can I refinance my mortgage later?
What is the national homeownership rate?
What is the median home value in the United States?
What is the median household income in the United States?
What percentage of homeowners are cost burdened nationally?
What is the median rent in the United States?
What are the best Mortgage rates nationally?
- Pearl Hawaii Federal Credit Union: 5.25% (30 Year Mortgage- Owner Occupied, First Liens)
- Chemcel Federal Credit Union: 5.50% (30-year fixed)
- Institution for Savings: 5.50% (First-Time/Affordable Homebuyer Loan - 30 Year Fixed)
- Advance Financial Federal Credit Union: 5.62% (30-Year Fixed Mortgage)
- Florence Bank: 5.62% (Welcome Home - 30-Year Fixed Rate)
Mortgage Rates by State
