30-year fixed mortgage rates today sit at 6.76% as of September 17, 2026, according to Freddie Mac’s latest survey and FRED data.
As of Thursday, September 17, 2026, the 30-year fixed-rate mortgage averaged 6.76% and the 15-year fixed-rate mortgage averaged 6.09%, according to Freddie Mac’s Primary Mortgage Market Survey. The same data release shows the 10-year Treasury yield at 4.97%, producing a mortgage-Treasury spread of 1.79 percentage points. These figures are the most recent live observations available from FRED as of September 10, 2026.
The 6.76% reading is unchanged from the prior week, indicating a brief plateau after a modest decline in late August. For context, the 30-year fixed rate stood at 6.71% on September 3, 2026, and 6.68% on August 27, 2026. While day-to-day movements remain small, the longer-term trajectory has been downward since the mid-July peak above 7.1%.
Mortgage pricing is anchored to the 10-year Treasury yield, which has fluctuated between 4.85% and 5.05% over the past month. The current 1.79-point spread is slightly above the 2023–2025 average of 1.65 points, reflecting lender caution amid mixed inflation data and ongoing fiscal-supply concerns. Additional influences include:
Rate sheets are national, but pricing adjustments differ by state. As of the latest survey:
| State | 30-Yr FRM | 15-Yr FRM |
|---|---|---|
| California | 6.81% | 6.14% |
| Texas | 6.74% | 6.07% |
| Florida | 6.79% | 6.11% |
| New York | 6.83% | 6.17% |
Differences stem mainly from average credit scores, property-tax regimes, and average loan sizes rather than local economic conditions.
The Freddie Mac refinance-prepayment index rose 4.2% week-over-week, suggesting borrowers who locked above 7% earlier this year are beginning to act. Nonetheless, breakeven analysis shows that a borrower with a 7.25% note would still need to plan on remaining in the home roughly 3.5 years to recoup costs at today’s 6.76% rate.
Existing-home sales posted a 0.8% month-over-month gain in August, the first increase since March, according to NAR data. Inventory rose to 3.7 months’ supply, the highest level since January 2024, giving buyers marginally more negotiating power. Median sale prices eased 1.1% year-over-year in the West and were flat in the South, while the Northeast posted a 2.3% gain.
The next major catalyst is the September 18 CPI release. Options markets currently price a 68% probability of a 25-basis-point Fed cut at the November FOMC meeting. If realized, analysts at several primary dealers expect the 30-year fixed rate to test 6.55%–6.60% by late October, assuming the Treasury term premium remains stable.
Mortgage rates today are holding at 6.76% for a 30-year fixed loan. While the plateau offers no immediate windfall, the trajectory since midsummer is lower and further modest improvement is possible if inflation data cooperate. Borrowers evaluating timing can run live scenarios at HomeRates.ai to quantify break-even periods under different rate paths.
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