30-year history of fixed mortgage interest rates in the United States

This data is based on Freddie Mac's 30-year fixed mortgage rate, the most commonly used rate in the U.S. It is intended to provide insight into long-term interest rate trends. It is a representative value, not a strict annual average.

l

Today is January 22, 2026, and today's rates are as follows.

For your information, please check the monthly payment amount based on the planned purchase price when the housing interest rate is 6.06%. Note that this monthly payment amount usually includes HOA management fees, property taxes, and home insurance, and these are all paid together to the loan company.

If you have any questions or plans, please feel free to contact us.