The trend since 2019.
The current read: 30-Year Mortgage Rate is at 6.58% as of July 2026. Source: FRED/BEA via Indicators IQ.
Why it matters.
If you're shopping for a mortgage or refinancing, this rate directly determines your monthly payment and total interest cost over three decades. Even small movements here shift the affordability of homes and the financial calculus of whether now is the right time to buy.
Where it fits.
30-Year Mortgage Rate feeds the Housing view — one of the six areas behind the site's Macro IQ score.