Mortgage Rates Today — May 30, 2026}

Current Mortgage Rates Snapshot

As of May 30, 2026, the national average 30-year fixed mortgage rate sits at 6.59 percent according to Bankrate. This figure aligns closely with the most recent FRED release from May 28, which recorded the 30-year fixed at 6.53 percent. The 10-year Treasury yield stands at 4.45 percent, producing a mortgage spread of 2.08 percentage points.

How Rates Compare Across Loan Types

Daily data from multiple sources show modest variation. Bankrate lists the 15-year fixed average at 5.95 percent and the 5/1 ARM at an unspecified level within its latest update. Freddie Mac’s weekly survey reports the 30-year fixed at 6.53 percent for the week ending May 28. Jumbo 30-year fixed rates average 6.56 percent nationally, down three basis points from the prior reading.

Loan Type	Average Rate	Source	Change (Recent)
30-Year Fixed	6.59%	Bankrate	+0.12% weekly
30-Year Fixed	6.53%	FRED / Freddie Mac	N/A
15-Year Fixed	5.95%	Bankrate	N/A
30-Year Jumbo	6.56%	National Avg	-0.03%

Weekly Trend and Market Drivers

The 30-year fixed rate increased 12 basis points over the past week per Bankrate, moving from 6.58 percent to 6.70 percent in one dataset before settling near 6.59 percent. Pending home sales have risen for three consecutive months, signaling latent buyer demand according to industry reports. The 10-year Treasury yield of 4.45 percent continues to anchor mortgage pricing, with the 2.08-point spread reflecting lender margins and credit risk.

Regional Rate Context

National averages mask modest geographic differences. In high-cost states such as California and New York, conforming 30-year fixed rates often track within 0.10–0.15 percentage points of the national figure. Lower-cost markets in Texas and Florida frequently post averages 0.05–0.10 points below the benchmark when measured on identical credit profiles.

What Borrowers Should Watch

Rate movement remains tied to incoming inflation prints and Federal Reserve communications. A sustained decline in the 10-year Treasury below 4.40 percent would likely pull mortgage rates lower, while any reacceleration in CPI could push the 30-year fixed back toward 6.70–6.80 percent. Borrowers evaluating timing can run live scenarios at HomeRates.ai to compare payment outcomes across multiple rate assumptions.

Bottom Line

Mortgage rates today remain in the mid-6 percent range, with the 30-year fixed at 6.53–6.59 percent depending on the data source. The modest weekly uptick and stable Treasury spread suggest limited near-term relief unless incoming economic data shifts the yield curve. Homebuyers and refinancers should monitor weekly Freddie Mac and FRED releases for the next directional signal.