01/31/2026
Mortgage rates for a 30-year fixed loan ticked up to 6.10% this week from 6.09%.
On a $399,950 home with 20% down, here’s how the monthly principal-and-interest payment compares:
This week (6.10%) → ~$1,940
Last week (6.09%) → ~$1,937 ($3 less)
One year ago (6.95%) → ~$2,118 ($178 more than today)
2023 peak (7.79%) → ~$2,301 ($361 more than today)