Best 30-Year Fixed Mortgage Rates Today - June 2026 | As Low As 4.99%
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 4.99%, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.19% offering 30-Year Fixed at 5.00%, and Wave Federal Credit UnionWave Federal Credit Union10 Monument Sq, Warwick, RI 02886 1606A+5.0 ★Texas Ratio: 1.61% offering 30-Year Fixed Mortgage at 0.00%, and H E TELEPHONEH E TELEPHONE201 W Passaic St Ste 304, Rochelle Park, NJ 07662 3126A5.0 ★Texas Ratio: 2.69% offering FIRST MORTGAGE 30 YEAR FIXED at 0.00%, and GenFed Financial Credit UnionGenFed Financial Credit Union121 S Union St, Akron, IL 43506A+5.0 ★Texas Ratio: 4.20% offering 30 Year Mortgage (Fixed) at 0.00%.
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: June 21, 2026
Compare 30-Year Fixed Mortgage Rates Today
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Rates, terms, and monthly payments may vary based on credit qualifications, loan amount, loan-to-value ratio, occupancy, and other factors. Subject to credit approval. Membership eligibility required. Rates subject to change without notice.
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Rates include all possible discounts.
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Fixed rate
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Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
Rates and terms are current as 5/15/26 and are subject to change at anytime without prior notice. 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.
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As Low As; Interest Rate / APR*
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AS LOW AS
Built-In End of Watch Loan Protection on Every Eligible Mortgage!**
More Information Downtown York
Conventional; Call Leslie or Madison today at 816-279-5656 to help you with your mortgage loan!
As Low As; Downpayment: 5%; PMI:
w/ automatic deduction
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Annual Percentage Rate. APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 05/29/2026. APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.
Eligible homebuyers who meet income qualification guidelines may qualify for special pricing and reduced costs. Taxes and insurance will increase the total monthly payment obligation.â€
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As Low As; Fixed Rate*
60 DAY LOCK; as low as
60 DAY LOCK; as low as
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As Low As
Limited-time offer. Rate is fixed.
Rate available to qualified buyers with an average credit score of 650 or higher.
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20% Down; Maximum Loan Amount: See note 1
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Fixed Rate Mortgage
As Low As; Spring Rate Special - For a limited time
20% Down; Maximum Loan Amount: See note 1
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A $200,000.00 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $1,199.10 based on a 30 Year Fixed Rate at 6.000% with 2.250 points and 6.356% APR. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,249,125 for Honolulu, Kauai and Hawaii counties and $1,299,500 for Maui and Kalawao counties. Rates effective 6/12/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
As Low As; Low, Fixed Rates and Payments.
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11% Down1; Reduced closing costs.
All stated mortgage rates are effective as of 6/15/2026 and are based on a home rate/term refinance transaction loan amount of $187,500 with a property value of at least $250,000 and repayments term as stated. APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. 30-year term = 360 months and applies to 30-year conventional and FHA loans. 15-year term = 180 months and applies to 15-year conventional loans. 10-year term = 120 months and applies to 10-year conventional loans. All loan programs, rates, terms and conditions are subject to change at any time without notice. Rate scenarios are based on a 30-day lock.
20% Down; Maximum Loan Amount: See note 1
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Monthly Payment Per $1000 Borrowed: $6.00
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Fully Indexed Rate: N/A; Monthly Principal and Interest Payment per $1,000 Borrowed*: $6.00; Monthly Principal and Interest Payment per $1,000 After First Adjustment*: N/A
payment example
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As Low As; Mortgage Purchase
As Low As; **
Up to 1.0 points**
Effective 6/16/2026; Annual Percentage Rate is based on a $150,000 loan amount; Rates are subject to increase after consummation/first adjustment; Down Payment Requirements: 20% down payment is required; less than a 20% down payment will require PMI Insurance; less than a 30% down payment will require real estate tax escrow; APR will vary depending on term.
As Low As; Rates may vary based on credit history, term, and collateral.
As Low As
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$100,000
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$100,000
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Power Rate*
The rates shown are for the purchase of a primary residence with no points paid. Contact a Home Loan Expert for refinancing rates.
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payment example
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As low as 6.125%
As low as; Estimated Payment: $2,126.64 per month for 30 years
As Low As; Fixed, FHA, Refinance
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Special mortgage offer! Plus up to $500 off closing costs!
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As Low As
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$200,000
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As Low As; Origination: 1.75%
$200,000
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Par rate; no discount points. Your specific rate will be based on your unique circumstances and may differ from the rates shown in this table.
As Low As; Loan Amount: $226-250K
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As Low As
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As Low As; Origination: 0.75%
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Interest Rate
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Loan Amounts: Up To $250,000
for Qualified Borrowers
6.307%
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As Low As
APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Closing cost $1,600. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval.
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Rate Lock Guarantee; 120 calendar day rate lock guarantee; Subject property must be located within Hampden, Hampshire or Franklin County of Massachusetts; maximum loan amount $766,550, loan to value ratio (LTV) of 95% or less, Private Mortgage Insurance (PMI) required if the LTV is more than 80%, and a minimum credit score of 680. Rates and fees may vary based upon your credit profile, property type, and/or LTV. Account subject to credit approval. Rates current as of 06/15/2026 and are subject to change. Homeowners' (and flood if applicable) insurance is required. Repayment example: $5.92 per $1,000 borrowed for 360 months. Payments do not include amounts for taxes and insurance, the actual payment will be greater. To guarantee 120 calendar day rate lock, a qualifying property must be identified and mortgage application submitted by the 75th calendar day from the date of the rate lock agreement. Only available on certain mortgage products.
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Rates and Terms are subject to credit approval.
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Monthly Payment Per $1000 Borrowed: $6.16
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.
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.
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As of June 15, 2026
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Intro rate expires: 6 months; Regular APR: 9.325%; Rate may adjust monthly, mortgage loan fees may apply. Other terms and conditions may apply.
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As Low As; Origination: 0%
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As Low As
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360 payments of $923.58 at an interest rate of 6.250%
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$300,000
Origination Fee: $4,425
Monthly Principal & Interest Payments Based on $100,000 Loan: 360 equal and consecutive monthly payments of $615.72
As Low As; *Annual Percentage Rate
$300,000
Number of Monthly Payments: 360
Eligible homebuyers meeting property location qualification guidelines may qualify for special pricing and reduced costs. Taxes and insurance will increase the total monthly payment obligation. â€
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payment example
As low as
As low as 6.331%
As Low As; Monthly Payment: $1,015.93
As Low As
Rates subject to change without notice. Click for details.
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As Low As
As Low As
As low as 6.341% APR
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On a typical loan of $500,000.00, with a rate of 6.250% and an APR of 6.346%, 360 monthly payments of $3,078.59. Available for Properties Located in Riverside and San Bernardino Counties.
payment example
As Low As
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Note Rate: 6.250%; APR*: 6.351%
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As Low As; * APR = Annual Percentage Rate
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Milford, Stratford, West Haven and Orange only
Rate as low as*: 6.250%; As Low As; Discount Points: 1.000
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 6.275% interest rate, the APR for this loan type is 6.363%. The payment schedule would be: 359 payments of $1,234.69 at an interest rate of 6.275% 1 payment of $1,234.02 at an interest rate of 6.275% 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.
As Low As; Whether you're in the market for your first home, trading up to a new one, or getting ready to downsize, we have a mortgage to match.
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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. 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. 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.
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As Low As; Starting at 6.37%
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Mortgage rates are current as of May 27, 2026, and are subject to change at any time.
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Origination Fee
For Mortgage terms of 30 years estimated monthly payment is $6.16 per $1,000 borrowed.
as low as; Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock.
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6.423% APR*
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As Low As; Downpayment as low as* 20%; PMI
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Effective Date: June 16, 2026
As Low As; Interest Rate: 6.25%
As Low As
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The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan. APR = Annual Percentage Rate; effective 06/15/2026 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges.
Rates as low as 6.397 % APR
Rates as low as
As low as 6.398%
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Example payment schedule: A 30-year fixed-rate mortgage with a 20% down payment, $880,000 loan amount and a 6.410% APR, will have 360 monthly payments of approximately $5,490.06. Taxes and insurance will increase the total monthly payment obligation.â€
$832,750
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20% Down on $200,000 Mortgage, 360 monthly payments of $1,247.74
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As Low As
As low as 3% down payment options available.
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$832,750
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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 168+ banks and credit unions — updated daily.
The 30-year fixed rate fell 0.094 points over the past 7 days to 6.433%, down from 6.527% last week.
30-Year Fixed Rate Forecast Jun 2026 – May 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 (2.808 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 | 6.433% (Current) | 6.683% (+0.25%) | 6.933% (+0.50%) | 6.183% (-0.25%) |
|---|---|---|---|---|
| 30-Year P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI |
| $150,000 |
$942
14.5%
|
$966
14.9%
|
$991
15.3%
|
$917
14.2%
|
| $200,000 |
$1,255
19.4%
|
$1,288
19.9%
|
$1,322
20.4%
|
$1,223
18.9%
|
| $250,000 (Median) |
$1,569
24.2%
|
$1,610
24.9%
|
$1,652
25.5%
|
$1,528
23.6%
|
| $300,000 |
$1,883
29.1%
|
$1,932
29.8%
|
$1,982
30.6% ⚠
|
$1,834
28.3%
|
| $350,000 |
$2,197
33.9% ⚠
|
$2,255
34.8% ⚠
|
$2,313
35.7% ⚠
|
$2,140
33% ⚠
|
| $400,000 |
$2,511
38.8% ⚠
|
$2,577
39.8% ⚠
|
$2,643
40.8% ⚠
|
$2,445
37.8% ⚠
|
| $500,000 |
$3,138
48.5% ⚠
|
$3,221
49.7% ⚠
|
$3,304
51% ⚠
|
$3,057
47.2% ⚠
|
| $600,000 |
$3,766
58.1% ⚠
|
$3,865
59.7% ⚠
|
$3,965
61.2% ⚠
|
$3,668
56.6% ⚠
|
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 6.433%, the monthly principal and interest payment is approximately $1,523 — representing a 23.5% 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 6.433% 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 168+ 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: 4.99% (First-Time/Affordable Homebuyer Loan* 30 Year Fixed)
- First Citizens Federal Credit Union: 5.00% (30-Year Fixed)
- Wave Federal Credit Union: 0.00% (30-Year Fixed Mortgage)
- H E TELEPHONE: 0.00% (FIRST MORTGAGE 30 YEAR FIXED)
- GenFed Financial Credit Union: 0.00% (30 Year Mortgage (Fixed))
More Mortgage Rate Options
