Best 30-Year Fixed Mortgage Rates Today - August 2026 | As Low As 5.25%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 30-year fixed mortgage market includes offers such as Institution for SavingsInstitution for Savings112 County Rd, Amesbury, MA 01913A+5.0 ★Texas Ratio: 0.11% offering First-Time/Affordable Homebuyer Loan 30 Year Fixed at 5.25%, and Pearl Hawaii Federal Credit UnionPearl Hawaii Federal Credit Union1288 Ala Moana Blvd Ste 106, Ewa Beach, HI 96706 2268A+5.0 ★Texas Ratio: 2.22% offering 30 Year Mortgage- Owner Occupied, First Liens at 5.25%, and Harleysville BankHarleysville Bank1550 Hatfield Valley Rd, Harleysville, PA 18084A+5.0 ★Texas Ratio: 3.02% offering 30 Yr. Fixed at 5.50%, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.24% offering 30 Year Fixed at 5.50%, and Florence BankFlorence Bank1 Main St, Amherst, MA 01002A+5.0 ★Texas Ratio: 4.08% offering Welcome Home - 30-Year Fixed Rate at 5.62%.
The 30-year fixed mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. 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 institution with confidence.
30-Year Fixed Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: August 28, 2026
Compare 30-Year Fixed Mortgage Rates Today
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All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.
As Low As
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Owner-occupied, existing single-family residence, in California only, serving as a primary residence, with a loan-to-value ratio of less than 80%, and excellent credit.
Introductory rate for 6 months.
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Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
†These examples are intended for illustration purposes only. Actual rates and payments could differ. Example rates as of 8/3/26.
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Based on 20% downpayment and/or 80% LTV, mortgage rates apply to owner occupied single family properties only. 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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UP TO $2; Additional Terms*
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For a limited time
As low as; 750K Max
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Rates as of 4/3/2026. Based on 80% loan-to-value and detached property type. Loan payment amount does not include monthly taxes and insurance and your actual payment may be greater. Offer and rates subject to change. Loan subject to underwriting and credit approval. Additional restrictions apply. Minimum 3% down payment required for purchase transactions and minimum 5% equity for refinances. Closing credit up to $2,000 will be given on your Closing Disclosure settlement as a promotional credit.
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My Rate
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60 DAY LOCK; as low as
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The interest rate is current as of May 20, 2026. Offer applies to borrowers with a credit score of 740 or better depending on credit qualifications. This rate is applicable for owner-occupied purchase of a single family dwelling. For properties in Virginia, Maryland and North Carolina only. Subject to credit approval. Insured by NCUA. NMLS # 402897
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20% Down; Max. Loan Amount: See note 1
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11% Down1; Reduced closing costs. All Interest Rates and program guidelines may change without prior notice. Other restrictions may apply. Please contact TSB for details.
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20% Down; Max. Loan Amount: See note 1
WHEDA First-time Homebuyer*
payment example
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Up to 89% financing with no mortgage insurance required.
$200000
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payment example
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.
The Life You're Imagining Starts at Home!
Discounted Mortgage Rates!; Rates shown are based on 80% loan-to-value (LTV). APR calculations may exclude third-party fees and per diem interest. Interest rates shown are based on 80% loan-to-value (LTV) loan amounts on the sales price of $300k and a loan amount of $240k for purchase of an owner-occupied single-family residence. Financing options are available for up to 97% loan-to-value (LTV) loan amounts for owner-occupied single-family residences. Rates and APRs are subject to change and may not be available at the time of lock or loan commitment. APR for adjustable-rate mortgages are subject to increase after fixed rate period and does not include 3rd party costs or prepaid interest. APR calculations may exclude third-party fees and per diem interest. Proponent reserves the right to modify or discontinue products and benefits at any time without notice. If approved, your rate will depend on term of loan, financial history, income, and other factors. Rates and Terms are subject to change at any time without notice.
Loan Amounts: Up To $250,000
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Example 20% Down - Loan Amount $200,000 - 740 Credit Score - Maximum Loan $832,750
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$100000
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Loan Amount: $200,000
According to Forbes, an average annual percentage rate of 6.29% represents the standard for a benchmark 30-year fixed home loan.
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As Low As
Loan Amount: $100,000
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$300000
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1 Point Option
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Important Assumptions
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As Low As
Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com (Opens in a new Window) . 1 Loans currently financed with Texell are not eligible for refinance.
Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com. 1 Loans currently financed with Texell are not eligible for refinance.
Rate Lock: 60 days
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Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com. 1 Loans currently financed with Texell are not eligible for refinance.
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As Low As
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Construction to Perm Loan
No Closing Cost
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Example Monthly Payments Primary Residence Fixed Rate Mortgage
As Low As; Closing Fees: $4303.00
For other options with points, please call 610-485-2960 x751.
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Loan Amount: $300,000
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Origination Point: 0.00%
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Rate with 20% down
$832750
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You Don't Have to Pay Points on Your Mortgage!
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Terms 15*, 30**
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payment example
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Rates are as of 8/25/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
Max Loan Cost/Thousand: $6.27
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Downpayment as low as: 5%; PMI:
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0 Points Option
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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 6.400% interest rate, the APR for this loan type is 6.489%. The payment schedule would be: 359 payments of $1,251.01 at an interest rate of 6.400% 1 payment of $1,251.64 at an interest rate of 6.400% 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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Finance up to 80% of the appraised property value.
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80% LTV; Per Thousand Borrowed $6.32
As low as; APY = Annual Percentage Yield
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The rate is fixed for the first 5 years. After that the rate may vary annually and the payment may increase or decrease. Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal plus margin with a floor rate of 4.00%. Homeowners/property insurance may be required.
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As low as; APY = Annual Percentage Yield
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The information provided is for a 30-year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.375% interest rate, the fixed APR for this loan type is 6.507%. The monthly payment would be: 359 payments of $2,105.56 at an interest rate of 6.375% 1 payment of $2,106.63 at an interest rate of 6.375%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness.
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30-Year Payout
Rate Lock: 60 days
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$100,000
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3% Down Payment; Payments amortized 360 months
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Terms and Conditions
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
30-Year Fixed Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 156+ banks and credit unions — updated daily.
The 30-year fixed rate rose 0.002 points over the past 7 days to 6.668%, up from 6.667% last week.
30-Year Fixed Rate Forecast Aug 2026 – Jul 2027
The projections below model expected 30-year fixed rate movement over the next 12 months based on the current Federal Reserve rate path, the prevailing spread over fed funds rate (3.043 pp), and a projected −0.15 pp 10-year Treasury compression in months 9–12. Upper and lower bands reflect a ±0.30 / 0.35 pp scenario range. These are analytical estimates, not guarantees.
30-Year Mortgage Housing Affordability Index
The Housing Affordability Index (HAI) measures whether a median-income family can qualify for a mortgage on a median-priced home. A score of 100 means median income exactly covers the qualifying income for a median-priced home. Scores above 100 indicate the median family earns more than necessary; scores below 100 indicate stretched affordability. View the full HAI report →
How 30-Year Mortgage Rates Impact Affordability
Even a small change in your 30-year fixed rate has a compounding effect on your monthly payment and total interest paid over 30 years. The table below shows principal & interest payments across common loan amounts at today's rate and nearby scenarios, with a PTI (payment-to-income) ratio using the U.S. median income of $77,719/yr.
| Loan Amount | 6.668% (Current) | 6.918% (+0.25%) | 7.168% (+0.50%) | 6.418% (-0.25%) |
|---|---|---|---|---|
| 30-Year P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI |
| $150,000 |
$965
14.9%
|
$990
15.3%
|
$1,015
15.7%
|
$940
14.5%
|
| $200,000 |
$1,286
19.9%
|
$1,320
20.4%
|
$1,353
20.9%
|
$1,253
19.3%
|
| $250,000 (Median) |
$1,608
24.8%
|
$1,650
25.5%
|
$1,692
26.1%
|
$1,567
24.2%
|
| $300,000 |
$1,929
29.8%
|
$1,979
30.6% ⚠
|
$2,030
31.3% ⚠
|
$1,880
29%
|
| $350,000 |
$2,251
34.8% ⚠
|
$2,309
35.7% ⚠
|
$2,368
36.6% ⚠
|
$2,193
33.9% ⚠
|
| $400,000 |
$2,573
39.7% ⚠
|
$2,639
40.7% ⚠
|
$2,706
41.8% ⚠
|
$2,507
38.7% ⚠
|
| $500,000 |
$3,216
49.7% ⚠
|
$3,299
50.9% ⚠
|
$3,383
52.2% ⚠
|
$3,133
48.4% ⚠
|
| $600,000 |
$3,859
59.6% ⚠
|
$3,959
61.1% ⚠
|
$4,060
62.7% ⚠
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$3,760
58.1% ⚠
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Table shows principal & interest only. Actual mortgage payment includes taxes, insurance, and possibly HOA or PMI. PTI = P&I / (U.S. median income / 12). ⚠ Red PTI indicates payment exceeds 30% of median monthly income.
U.S. Income & Housing Affordability
The figures below combine U.S. Census Bureau ACS 5-Year 2024 estimates with current 30-year mortgage rate data to give a real-world picture of homeownership affordability.
What These Numbers Mean for 30-Year Borrowers
A buyer purchasing the median-priced home ($303,400) with a 20% down payment ($60,680) would carry a $242,720 30-year fixed mortgage. At today's average of 6.668%, the monthly principal and interest payment is approximately $1,561 — representing a 24.1% PTI against the U.S. median income. Financial guidelines typically recommend keeping total housing costs below 28–30% of gross income.
With a homeownership rate of 65.7% across the U.S., a large portion of American households are already carrying mortgage debt. Monitoring rate trends can help both current homeowners evaluating refinance opportunities and prospective buyers timing their entry into the market.
Full Cost of Homeownership
Your 30-year mortgage payment is only one component of what you'll pay each month as a homeowner. The figures below draw on U.S. Census Bureau ACS 5-Year 2024 Selected Monthly Owner Costs (SMOC) data and give a more complete picture of ongoing ownership expenses.
30-Year Mortgage Calculators
Run the numbers on your 30-year fixed mortgage using today's average of 6.668% and U.S. Census median home data.
Types of 30-Year Mortgages Explained
Not all 30-year mortgages are the same. The loan type you choose affects your rate, down payment, qualification standards, and long-term costs. Here is a breakdown of the main categories available to borrowers.
FORM
Conforming Conventional
The most common 30-year product. Backed by Fannie Mae or Freddie Mac guidelines, conforming loans cannot exceed the FHFA conforming loan limit of $806,500 (2026). They typically require a minimum 3–5% down payment, a credit score of 620+, and private mortgage insurance (PMI) when the down payment is below 20%.
30-Year Jumbo
Jumbo loans exceed the FHFA conforming limit of $806,500. Because they cannot be sold to Fannie Mae or Freddie Mac, lenders hold them on their own books and typically require stricter qualification: credit scores of 700+, larger reserves, and down payments of 10–20%. Jumbo rates are often close to conforming rates but can be slightly higher or lower depending on the lender.
30-Year FHA Loan
Insured by the Federal Housing Administration (FHA), these loans allow down payments as low as 3.5% for borrowers with credit scores of 580+, and 10% for scores as low as 500. FHA rates are often competitive with conventional rates, but all FHA loans require mortgage insurance premiums (MIP) — both an upfront premium (1.75% of the loan) and an annual premium for the life of the loan in most cases.
30-Year VA Loan
Guaranteed by the U.S. Department of Veterans Affairs, VA loans are available to eligible veterans, active-duty service members, and qualifying surviving spouses. Key advantages include no down payment requirement, no private mortgage insurance, and typically the most competitive rates available. A one-time VA funding fee applies (usually 2.15–3.3% of the loan) but can be rolled into the loan balance.
30-Year USDA Loan
Backed by the U.S. Department of Agriculture, USDA loans offer 100% financing (no down payment) for eligible properties in designated rural and suburban areas. Borrowers must meet income limits (typically up to 115% of the area median income). Like FHA, USDA loans carry an upfront guarantee fee and an annual fee, but these are often lower than FHA premiums.
Conforming Loan Limit for 2026
Set annually by the FHFA. Loans at or below this limit qualify as conforming. Loans above it are jumbo. High-cost areas (e.g., metro New York, San Francisco, Honolulu) have higher limits up to 150% of the baseline.
View 30-Year Jumbo Rates →Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 30-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Coast-to-Coast Lender Coverage: Our database monitors over 156+ banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 30-year fixed mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 30-Year Fixed Mortgage Rates
What is a 30-year fixed-rate mortgage?
What is the monthly payment on a 30-year mortgage?
How does a 30-year mortgage compare to a 15-year mortgage?
How does my credit score affect my 30-year mortgage rate?
Should I lock my 30-year mortgage rate?
What is the difference between interest rate and APR on a 30-year mortgage?
What are mortgage points and should I pay them on a 30-year loan?
Can I refinance a 30-year mortgage?
How are 30-year mortgage rates determined?
What are today's best 30-year fixed mortgage rates?
- Institution for Savings: 5.25% (First-Time/Affordable Homebuyer Loan 30 Year Fixed)
- Pearl Hawaii Federal Credit Union: 5.25% (30 Year Mortgage- Owner Occupied, First Liens)
- Harleysville Bank: 5.50% (30 Yr. Fixed)
- 1st Northern California Credit Union: 5.50% (30 Year Fixed)
- Florence Bank: 5.62% (Welcome Home - 30-Year Fixed Rate)
More Mortgage Rate Options
