The National Index
The U.S. mortgage
rate index.
The national reading — a simple average of the rates lenders advertise
publicly across all 50 states and the District of Columbia, by loan type.
A derived statistical average — not a rate quote, not an
offer to lend, not a rate available to any borrower. 30YearMortgageRates.com is an
independent publisher of mortgage-market information, not a lender or broker.
Methodology & disclosures →
National
Today’s index — every loan type
The national reading across the five tracked products, each a simple
average of rates lenders advertise publicly.
| Loan type | Index rate | Index APR | Today’s range | Sample |
|---|---|---|---|---|
| 0130-Year Fixed | 6.54% | 6.92% | 6.13% – 7.13% | 64 pts · 52 states |
| 0215-Year Fixed | 5.84% | 6.46% | 5.38% – 6.13% | 63 pts · 52 states |
| 03FHA 30-Year | 6.06% | 7.03% | 5.63% – 6.63% | 57 pts · 52 states |
| 04VA 30-Year | 6.01% | 6.57% | 5.13% – 6.75% | 67 pts · 52 states |
| 05Adjustable (ARM) | 5.94% | 6.50% | 5.13% – 6.63% | 86 pts · 52 states |
A government bond yield — the benchmark long-term fixed mortgage rates
track. Shown as context only; it is not a mortgage rate and is not part of the averaged index.
Source: U.S. Department of the Treasury — Daily Treasury Par Yield Curve.
Market read
This week in rates
The national 30-year fixed index reads 6.54% today. Over the last 10 business days the 10-Year Treasury — the benchmark long-term fixed mortgage rates track — has risen 19 basis points, from 4.38% to 4.57%. The index is down 3 basis points from a week ago.
6.54%
4.57%
Movement is shown for context only. The index is a derived average of
publicly-advertised rates — not a quote, not an offer, not a rate available to any borrower.
The 10-Year Treasury is a government bond yield, not a mortgage rate.
By region
The national spread
The index splits the country into five regions. The gap between the
highest and lowest regional reading is itself the story — here is where each one sits today.
Bars scaled to the spread between the lowest and highest regional
30-year index today (6.46% – 6.62%).
Methodology
How this index is built
This index is compiled entirely from mortgage interest rates that lenders advertise publicly on their own websites. Each business day we collect those publicly-posted rates across the states in each region, group them by loan type, and publish the simple average. These are real, published numbers — not estimates, not invented, not privately sourced. Individual lenders are not named. Each figure is a snapshot as of the date shown.
Read this first
What this index is — and what it isn’t
30YearMortgageRates.com publishes a statistic, not a product. The points
below are the full terms on which every figure on this site is offered.
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01
What this is a statistical AVERAGE of mortgage interest rates that lenders advertise publicly on their own websites, grouped by loan type and region. It is a derived market indicator — a number we compute from public data.
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02
What this is NOT it is NOT a rate quote, NOT an offer or commitment to lend, NOT an advertisement for any loan or any lender, and NOT a rate available to any borrower. No one can apply for, lock, or be approved at "the index rate." This page does not sell or arrange loans and has no application or quote function.
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03
Your actual rate will differ A real mortgage rate depends on credit score, loan amount, down payment or equity, property type, occupancy, loan purpose, discount points, lock terms and the individual lender — and it changes continuously. This index cannot tell you the rate you would receive.
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04
Interest rate vs. APR APR is shown next to the interest rate wherever lenders publish it; the two are different figures. The "Adjustable (ARM)" line is an adjustable rate that can increase after closing.
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05
The 10-Year U.S. Treasury yield is shown only as market context. It is a government bond yield, not a mortgage rate, and is not part of the averaged index.
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06
30YearMortgageRates.com is an independent publisher of mortgage-market information. It is NOT a mortgage lender, broker, bank or loan originator. It does not take loan applications, does not originate, offer, negotiate or arrange loans, and does not endorse or recommend any lender.
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07
Figures are compiled from public sources and may be delayed, incomplete or contain errors. Nothing here is financial, lending, investment or legal advice. Always verify any rate directly with a licensed lender before relying on it. Equal Housing Opportunity.
⌂ Equal Housing Opportunity · Index generated 2026-05-22T15:31:27.223Z
· figures as of 2026-05-22.