Moea Mortgage Path
Today's mortgage rates
National averages, read three times each weekday. Updated .
7.39%
▲ 0.02 pts Since last update
▲ 0.60 pts Past year
7.45% APR
Rate stats
The 30-year fixed national average. Payments are principal and interest on a $400,000 loan.
- Open
- 7.39%
- Today's high
- 7.39%
- Today's low
- 7.39%
- 52-week high
- 7.39%
- 52-week low
- 5.92%
- A year ago
- 6.83%
- APR
- 7.45%
- 15-year fixed
- 6.77%
- 30-year FHA
- 7.05%
- $400k payment
- $2,767/mo
- 15-year savings
- $358,111
- A quarter point
- $68/mo
Next update: Mon, Oct 5, 9:00 AM ET
How today compares
Today's 30-year fixed rate against each of the 283 daily averages of the past year.
Days with a higher rate than today
0%
- Higher than today
- 0% higher
- Same than today
- 0% same
- Lower than today
- 100% lower
12-month range
Today's rate is higher than 100% of days in the past year and 1.03 points above its average of 6.36%. The low was 5.92% on Mar 2; the high, 7.39% on Sep 30.
Rate moves
How far the 30-year fixed rate moved from one reading to the next.
+0.67pts
▲ 9.97% Over the last 30 readings
Biggest moves
Wed, Sep 23, 2026
Rose to 7.14%
+0.11
+1.56%
Thu, Sep 24, 2026
Rose to 7.24%
+0.10
+1.40%
Mon, Sep 28, 2026
Rose to 7.31%
+0.08
+1.11%
Fri, Sep 11, 2026
Rose to 6.95%
+0.07
+1.02%
Thu, Sep 10, 2026
Rose to 6.88%
+0.07
+1.03%
Rate and APR
APR adds points and lender fees to the rate, so it is the better number for comparing offers.
Today the APR sits 0.06 points above the rate on a 30-year fixed, 0.07 on a 15-year fixed and 0.36 on an FHA loan, where it also counts mortgage insurance.
What $400,000 costs a month
Principal and interest at each quarter's average rate.
At today's average rate, a $400,000 30-year loan costs $2,767 a month, $303 more than at the average rate in the fourth quarter of 2025 ($2,464).
Your monthly cost
From the payment ticket: a $500,000 home with 20% down. Tax and insurance are estimates you can change below.
$3,358/mo
Principal and interest are $2,767; the other $592 goes to the home itself.
Principal & interest
30-year fixed at 7.39% on $400,000
82.38%
$2,767
Property tax
1% of the price a year
12.41%
$417
Home insurance
$2,100 a year
5.21%
$175
Estimates you can change
Tap a name to see what it covers.
Property tax% of the price a year
Set by your county and city on the home's assessed value, and paid through the mortgage each month. Rates vary widely; 1% of the price a year is a common starting point.
Home insuranceDollars a year
Homeowners insurance covers the house itself, and lenders require it. The cost depends on the home, where it is and how much coverage you choose.
Mortgage insurance% of the loan a year, under 20% down
Conventional loans with less than 20% down add private mortgage insurance (PMI). You can ask to cancel it at 20% equity, and it ends on its own at 22%. FHA loans carry an annual premium of 0.50% to 0.75% of the loan instead, applied here automatically.
HOA duesDollars a month
Fees that many condos, townhomes and planned communities charge for shared upkeep, amenities and insurance on common areas.
Daily averages, last 10 days
| Day | 30-year fixed | 15-year fixed | 30-year FHA |
|---|---|---|---|
| Sat, Oct 3 | 7.39% | 6.77% | 7.05% |
| Thu, Oct 1 | 7.37% | 6.68% | 7.10% |
| Wed, Sep 30 | 7.39% | 6.62% | 7.10% |
| Tue, Sep 29 | 7.34% | 6.57% | 7.08% |
| Mon, Sep 28 | 7.31% | 6.67% | 7.05% |
| Fri, Sep 25 | 7.23% | 6.57% | 6.98% |
| Thu, Sep 24 | 7.24% | 6.52% | 6.95% |
| Wed, Sep 23 | 7.14% | 6.46% | 6.90% |
| Tue, Sep 22 | 7.03% | 6.38% | 6.83% |
| Mon, Sep 21 | 7.03% | 6.54% | 6.80% |
Mortgage and rate news
Moea Talks ·
A 7.58% Mortgage Rate Is Changing the Home Search Math Again
Mortgage rates neared 7.6%, demand kept falling, and homeowners still held tight to record equity.
Moea Talks ·
Rates Near 7.6% Are Rewriting the Home Search
Rates are squeezing demand while household confidence slips. Here’s what to watch before making your next move.
Moea Talks ·
Rates Near 7.6% Are Freezing Mortgage Demand Again
A 7.58% mortgage rate is colliding with sliding demand and a shakier consumer mood.
Moea Talks ·
Record Home Equity Is Growing, but Owners Aren’t Treating It Like Spending Money
Homeowners hold more housing wealth than ever, while consumer confidence drops sharply. The gap matters for housing’s next move.
Moea Talks ·
Mortgage Rates Just Hit 7.45%. The House Search Math Changed Again.
A 7.45% 30-year fixed rate reshapes monthly-payment math—and makes a calm, numbers-first search more valuable.
Moea Talks ·
A 7.45% Mortgage Rate Changes the Math—Not Every Move
Mortgage rates just hit a fresh high. Here’s how to rethink your search without freezing your plans.
From pre-approval to closing
Through our partnership with Presidential Bank Mortgage, a federally chartered bank, Moea streamlines your mortgage journey while helping you keep more of what you earn.
Step 1
Get pre-approved
Start your application with Presidential Bank Mortgage, or call a lender to talk it through.
Step 2
Shop with your approval
Search, tour and make offers in Moea knowing what you can borrow.
Step 3
Save at closing
Qualifying $100,000+ Moea purchases can reach up to 1% in savings at closing when Unlocked is active and participating partner boosts apply.
Keep exploring
About these rates
Where do these rates come from?
They are national averages from Moea's mortgage rate service, which combines several publicly available sources. A new reading is taken at 9 a.m., 1 p.m. and 4 p.m. Eastern each weekday, except holidays.
Are these the rates I will get?
Not necessarily. Your rate depends on your credit, down payment, loan type and the lender. Pre-approval shows the rate you qualify for.
What is the difference between the rate and the APR?
The rate sets your monthly payment. APR also counts points and fees, so it is the better number for comparing loan offers.
Why is the FHA rate different?
FHA loans are insured by the Federal Housing Administration and allow smaller down payments, but they add mortgage insurance, which the payment estimate leaves out.
Rates are national averages from Moea's mortgage rate service, a bundle of publicly available sources. The rate is the quoted interest rate; APR reflects the total cost including points and fees. Current and past rates do not guarantee future availability. All data is provided for educational purposes only and does not make Moea, Inc. a licensed mortgage broker or lender. Payment estimates include principal and interest only.
30-yr fixed today7.39%