10/09/2026
Mortgage rates went up again this week.
Freddie Mac's 30-year fixed average is 7.40% as of October 8, up from 7.28% last week. That's seven weeks in a row of increases. A year ago it was 6.30%. The 15-year is at 6.73%.
These are national averages. Your actual rate depends on your credit, down payment and loan type, so a lender is the one to ask for your real number. If you're shopping, get a fresh quote rather than going off what you saw last month.