Compare 30-Year Mortgage Rates Across All 50 States
The most comprehensive source for current 30-year fixed mortgage rates in America. Compare rates by state, explore local lender options, and make smarter home financing decisions.
National Rate Snapshot
As of April 2026, the national average 30-year fixed mortgage rate is 6.65% according to Freddie Mac’s Primary Mortgage Market Survey. This rate represents the average offered to borrowers with good credit (740+) and a 20% down payment. Rates vary by state, typically within 0.125–0.25% of the national average, influenced by local market conditions, lender competition, and regional economic factors. The national median home price is approximately $412,000, making the estimated monthly principal and interest payment around $2,115 at current rates.
Current National Mortgage Rates
National average mortgage rates based on Freddie Mac’s Primary Mortgage Market Survey. Rates updated weekly. Payment estimates based on $330,000 loan amount.
| Loan Type | Rate | APR | Est. Payment |
|---|---|---|---|
| 30-Year Fixed● Flat | 6.65% | 6.82% | $2,115/mo |
| 15-Year Fixed● Flat | 5.90% | 6.12% | $2,785/mo |
| FHA 30-Year | 6.25% | 7.15% | $2,025/mo |
| VA 30-Year | 6.15% | 6.38% | $1,985/mo |
| Jumbo 30-Year | 6.85% | 7.02% | $2,285/mo |
| ARM 5/1 | 6.05% | 7.18% | $1,975/mo |
30-Year Mortgage Rates by State
Select your state to see current mortgage rates, local lender options, city-level data, and homebuyer programs specific to your area.
How 30YearMortgageRates.com Works
We make comparing mortgage rates simple and transparent. No hidden agendas — just data-driven information to help you find the best rate.
Choose Your State
Select your state to see localized mortgage rate data, median home prices, and market conditions specific to your area.
Compare Rate Data
Review current 30-year fixed rates alongside 15-year, FHA, VA, and jumbo options. See how your state compares to the national average.
Connect with Lenders
Browse verified, licensed mortgage lenders in your state. Compare featured partners and request personalized rate quotes.
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Frequently Asked Questions
The national average 30-year fixed mortgage rate is approximately 6.65% as of April 2026, according to Freddie Mac’s Primary Mortgage Market Survey. This rate reflects averages for borrowers with good credit and a 20% down payment. Your actual rate depends on your credit score, down payment, loan amount, property location, and chosen lender.
Our mortgage rates are sourced from Freddie Mac’s Primary Mortgage Market Survey, the Mortgage Bankers Association (MBA), and other public data sources. We display national and regional averages updated weekly. We do not display lender-specific rates to ensure accuracy and compliance with federal lending regulations.
The five biggest factors are: (1) Credit score – scores above 740 get the best rates; (2) Down payment – 20% or more avoids PMI and gets better rates; (3) Loan amount and type – conforming vs jumbo, fixed vs adjustable; (4) Property location – rates vary by state and metro area; (5) Lender competition – shopping multiple lenders can save 0.25-0.5%.
No. 30YearMortgageRates.com is an independent mortgage rate information platform, not a lender. We provide data-driven rate comparisons and connect homebuyers with licensed mortgage professionals. Featured lender placements are clearly labeled advertisements from verified lending partners.
National average rates on our site are updated weekly, aligned with Freddie Mac’s Primary Mortgage Market Survey release schedule (typically Thursday). State-level data and market analysis are updated regularly to reflect current conditions.