30-year US mortgage rate

Now 7.32 % (Oct 22, 2026), before 7.40 %, a year ago 6.27 %.

How to read it

What housing actually feels. Follows the 10-year with a spread. Above 7 % the housing market stalls; a fall helps builders and spending.

Source: FRED · weekly

Connected to

• 10-year Treasury yield
• Housing starts