TODAY
The 30-year average
7.40%
Week of October 8, 2026. Freddie Mac Primary Mortgage Market Survey, via FRED.
30-YEAR TREASURY
5.60%
October 8, 2026, daily yield via FRED. The mortgage average sits 1.80 points above it.
Per $100,000
What a rate is worth on $100,000 with 25 years left, against this week's 7.40% average. Same math as the calculator.
- 2.50%$38,755$449/mo now, $732/mo at today's average
- 3.00%$35,261$474/mo now, $732/mo at today's average
- 3.50%$31,655$501/mo now, $732/mo at today's average
- 4.00%$27,940$528/mo now, $732/mo at today's average
- 5.00%$20,192$585/mo now, $732/mo at today's average
- 6.00%$12,041$644/mo now, $732/mo at today's average
Where the numbers come from
The mortgage average is the weekly Freddie Mac series MORTGAGE30US. The Treasury yield is the daily FRED series DGS30. This page is cached and refreshed about every six hours, and a daily job asks it to update again at 12:00 UTC. If a feed fails, the last values saved with the site are shown and labeled.
Rarity on the calculator uses FHFA National Mortgage Database outstanding-mortgage bins for 2026-Q2. Count of outstanding mortgages, not dollar balance. Published 2026-09-30. Update those shares in data/rate-distribution.ts.