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National Rate Snapshot

National mortgage-rate snapshot and payment tools

A weekly look at national average mortgage rates, plus free calculators for payments, affordability, and closing costs. We do not write loans, take applications, or lock rates.

30-year fixed 6.95% as of Sep. 17, 2026

30-day scenario: modestly higher and more volatile. Educational range, not a prediction. See the outlook.

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This Week's Numbers

Rate snapshot

As of Sep. 17, 2026, 12:00 PM ET

National average mortgage rates, refreshed weekly. Illustrative, not a quote.

Illustrative national averages, refreshed weekly. Not a quote, rate lock, or guaranteed prediction.

Loan type Rate / APR Change (wk) Next-week outlook Next-month outlook
30-year fixedConventional
Rate / APR6.95%7.02% APRWithin this week's range of 6.26% to 7.05%.
Change this week+0.19 higher this week
Next-week outlookHigher bias0.00-0.05 pts higherHigher bias. Expected move: 0.00-0.05 pts higher.
Next-month outlookHigher bias0.05-0.20 pts higherHigher bias. Expected move: 0.05-0.20 pts higher.
20-year fixedConventional
Rate / APR6.46%6.55% APRWithin this week's range of 6.26% to 7.05%.
Change this week+0.07 higher this week
Next-week outlookHigher bias0.00-0.05 pts higherHigher bias. Expected move: 0.00-0.05 pts higher.
Next-month outlookHigher bias0.05-0.20 pts higherHigher bias. Expected move: 0.05-0.20 pts higher.
15-year fixedFaster payoff
Rate / APR6.26%6.36% APRWithin this week's range of 6.26% to 7.05%.
Change this week+0.17 higher this week
Next-week outlookHigher bias0.00-0.05 pts higherHigher bias. Expected move: 0.00-0.05 pts higher.
Next-month outlookHigher bias0.05-0.15 pts higherHigher bias. Expected move: 0.05-0.15 pts higher.
30-year FHALower down payment
Rate / APR6.69%6.75% APRWithin this week's range of 6.26% to 7.05%.
Change this week+0.22 higher this week
Next-week outlookFlatFlat to 0.05 higherFlat. Expected move: Flat to 0.05 higher.
Next-month outlookMixedMixed, 0.00-0.15 higherMixed. Expected move: Mixed, 0.00-0.15 higher.
30-year VAEligible military
Rate / APR6.71%6.78% APRWithin this week's range of 6.26% to 7.05%.
Change this week+0.21 higher this week
Next-week outlookFlatFlat to 0.05 higherFlat. Expected move: Flat to 0.05 higher.
Next-month outlookMixedMixed, 0.00-0.15 higherMixed. Expected move: Mixed, 0.00-0.15 higher.
30-year jumboHigher loan amounts
Rate / APR7.13%7.17% APRWithin this week's range of 6.26% to 7.05%.
Change this week+0.25 higher this week
Next-week outlookFlatFlat, choppyFlat. Expected move: Flat, choppy.
Next-month outlookMixed-0.10 to +0.10 ptsMixed. Expected move: -0.10 to +0.10 pts.
  • Range bar shows where the rate sits in this week's low-to-high band
  • Green = lower / easing bias
  • Amber = mixed / choppy
  • Red = higher bias

These are illustrative national averages, not a quote, Loan Estimate, or rate lock. HomeMortgageOnline does not lend and does not recommend lenders. The week-change and next-week/next-month outlook are an educational scenario based on our current 30-day model bias (modestly higher and more volatile; national 30-year fixed scenario range roughly 6.60%-7.05%). They are not a guaranteed prediction, quote, rate-lock offer, APR promise, or financial advice. Rates can move either direction. Your actual rate depends on credit, loan size, location, program, and lender pricing. See disclaimer.

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Rate Watch Dashboard

Trying to figure out where mortgage rates go next?

Most rate pages stop at today's number. This dashboard tracks the public signals that usually move mortgage pricing so shoppers can decide whether to compare now, watch a little longer, or ask lenders about lock and float-down options.

Current bias Modestly higher, more volatile
Model score: +3 on a -10 to +10 pressure scale
Open the full forecast chart
InflationCooling

July CPI eased to 3.4% year over year and core cooled to 2.5%, though a fresh Iran-driven oil spike is a risk heading into the August report due Sept. 11.

JobsWeaker

July payrolls fell by 23,000, the first outright monthly decline this cycle, even as the unemployment rate ticked down to 4.1%.

Fed guidanceHigher pressure

Fed Chair Warsh's hawkish Jackson Hole speech lifted September rate-hike odds after July's FOMC held rates with three dissents favoring a hike.

Treasury / MBSHigher pressure

The 10-year Treasury climbed to roughly 4.79%-4.82% by Sept. 2, its highest since late 2023, as the Iran war escalation pushed oil toward $100 a barrel.

30-day view: compare now if timing matters

If you are under contract or shopping actively, the bigger risk is missing lender differences, not perfectly timing the market. Compare APR, fees, credits, and lock terms now, then ask about float-down policies.

Could push rates down

Cooler CPI, softer jobs, lower 10-year Treasury yields, narrower MBS spreads.

Could push rates up

Hot inflation, stronger payrolls, hawkish Fed language, wider mortgage-bond spreads.

This is an educational scenario dashboard, not financial advice, a rate guarantee, or a recommendation to delay or lock a loan.

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