Today's 30-year fixed mortgage market includes offers such as OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L24081 Ne State Route 3, Belfair, WA 98501A+5.0 ★Texas Ratio: 2.38% offering 30-Year Fixed (Affordable Construction Program) at 4.25%, and Institution for SavingsInstitution for Savings112 County Rd, Amesbury, MA 01913A+5.0 ★Texas Ratio: 0.11% offering 30 Year Fixed at 4.99%, and Ontario-Montclair School Employees Federal Credit UnionOntario-Montclair School Employees Federal Credit Union1520 N Palmetto Ave, Ontario, CA 91762A+5.0 ★Texas Ratio: 0.39% offering 30 Year Fixed Rate Mortgage at 4.99%, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.23% offering 30-Year Fixed at 5.00%, and Northfield BankNorthfield Bank1 Hyatt St, Avenel, NJ 07001A+5.0 ★Texas Ratio: 1.88% offering 30 Year Fixed Rate Affordable Mortgage at 5.25%.
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 nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: May 6, 2026
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Limited Special Offer
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Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income. All loans are subject to credit approval. A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Rates and terms are current as 11/24/25 and are subject to change at anytime without prior notice.
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As Low As; Downpayment as low as 5%
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As Low As; 60 DAY LOCK
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Example Monthly Payment: On a $200,000.00 loan with a 5.84% rate and a 5.882% APR, you would have 360 monthly payment of $1,178.96 (excluding taxes and insurance). Rate available to qualified buyers with an average credit score of 650 or higher.
$100,000 or less
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As Low As; without DPA
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$300,000 or less
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$200,000 or less
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w/ automatic deduction
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Fixed 360 Months
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Must have automatic payments from a TSB checking account and direct deposit of payroll income.
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Mortgage Special
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$200000
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Fixed 360 Months
Rates Effective: 04-27-2026; The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year adjustable rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon.
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As Low As; Loan Amount: $226-250K
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Based on loan amount $320K 80% LTV
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$100000
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As Low As; Offer applies to medical professionals (licensed residents/interns/fellows in MD, DO, DPM, DDS, DVM, NP, PA and other practicing medical professionals with master's level education and above.
$832,750 or less
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Special mortgage offer! Rates as low as 5.99% (6.196% APR). Buy or refinance and save with 30-year, fixed-rate mortgages.
$300000
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As Low As; (Rates assume a NY property)
As Low As; Predictable rate for the life of the loan
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Available for Properties Located in Riverside and San Bernardino Counties.
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Daily national average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 162+ banks and credit unions — updated daily.
The 30-year fixed rate rose 0.091 points over the past 7 days to 6.339%, up from 6.248% last week.
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 (2.714 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.
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 →
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 national median income of $77,719/yr.
| Loan Amount | 6.339% (Current) | 6.589% (+0.25%) | 6.839% (+0.50%) | 6.089% (-0.25%) |
|---|---|---|---|---|
| 30-Year P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI |
| $150,000 |
$932
14.4%
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$957
14.8%
|
$982
15.2%
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$908
14%
|
| $200,000 |
$1,243
19.2%
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$1,276
19.7%
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$1,309
20.2%
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$1,211
18.7%
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| $250,000 (Median) |
$1,554
24%
|
$1,595
24.6%
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$1,636
25.3%
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$1,513
23.4%
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| $300,000 |
$1,865
28.8%
|
$1,914
29.6%
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$1,964
30.3% ⚠
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$1,816
28%
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| $350,000 |
$2,175
33.6% ⚠
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$2,233
34.5% ⚠
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$2,291
35.4% ⚠
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$2,118
32.7% ⚠
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| $400,000 |
$2,486
38.4% ⚠
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$2,552
39.4% ⚠
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$2,618
40.4% ⚠
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$2,421
37.4% ⚠
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| $500,000 |
$3,108
48% ⚠
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$3,190
49.3% ⚠
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$3,273
50.5% ⚠
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$3,026
46.7% ⚠
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| $600,000 |
$3,729
57.6% ⚠
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$3,828
59.1% ⚠
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$3,927
60.6% ⚠
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$3,632
56.1% ⚠
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Table shows principal & interest only. Actual mortgage payment includes taxes, insurance, and possibly HOA or PMI. PTI = P&I / (national median income / 12). ⚠ Red PTI indicates payment exceeds 30% of median monthly income.
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 nationwide.
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 national average of 6.339%, the monthly principal and interest payment is approximately $1,509 — representing a 23.3% PTI against the national median income. Financial guidelines typically recommend keeping total housing costs below 28–30% of gross income.
With a homeownership rate of 65.7% nationally, 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.
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.
Run the numbers on your 30-year fixed mortgage using today's national average of 6.339% and U.S. Census median home data.
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.
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%.
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.
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.
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.
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.
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 →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 national survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Nationwide Lender Coverage: Our database monitors over 162+ banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and national online lenders. This breadth ensures you see competitive rates that many national 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.