MarketXLS

30 Year Mortgage Rate 6.65 for 

30 Year Mortgage Rate came in at 6.65 (Percent) for Wk of Aug 20 2026, down 0.30% from 6.67 the prior week and 1.06% above its level of 6.58 one year ago. The series has averaged 7.68 since 1971, reaching a record high of 18.63 in October 1981 and a record low of 2.65 in January 2021.

Source: Federal Reserve Economic Data (FRED), St. Louis Fed

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Cite this data: "30 Year Mortgage Rate," MarketXLS. Data from Federal Reserve Economic Data (FRED), St. Louis Fed. marketxls.com/indicators/30-year-mortgage-rates

Historical Data

⋮
⋮
August 20, 20266.65
August 13, 20266.67
August 6, 20266.69
July 30, 20266.66
July 23, 20266.58
July 16, 20266.55
July 9, 20266.49
July 2, 20266.43
June 25, 20266.49
June 18, 20266.47
June 11, 20266.52
June 4, 20266.48
May 28, 20266.53
May 21, 20266.51
May 14, 20266.36
May 7, 20266.37
April 30, 20266.3
April 23, 20266.23
April 16, 20266.3
April 9, 20266.37
⋮
⋮
December 11, 19986.69
December 4, 19986.71
November 27, 19986.78
November 20, 19986.86
November 13, 19986.93
November 6, 19986.89
October 30, 19986.83
October 23, 19986.73
October 16, 19986.9
October 9, 19986.49
October 2, 19986.6
September 25, 19986.64
September 18, 19986.66
September 11, 19986.77
September 4, 19986.82
August 28, 19986.92
August 21, 19986.92
August 14, 19986.91
August 7, 19986.94
July 31, 19986.97

About 30 Year Mortgage Rate

What it measures

The 30-year fixed mortgage rate (FRED series MORTGAGE30US) is the average rate on 30-year fixed-rate conventional mortgages from the Freddie Mac Primary Mortgage Market Survey, published every week since 1971. It reflects rates offered to well-qualified borrowers on conforming loans with twenty percent down payments, excluding points and most fees.

Why it matters

This is the benchmark price of US housing finance: it drives affordability, home sales volume, refinancing activity, and household balance sheet decisions. Because housing is among the most interest-sensitive sectors, economists treat the 30-year rate as a primary channel through which Fed policy reaches the real economy, and homebuilder and mortgage-lender earnings hinge on it.

How to read it

The rate tracks the 10-year Treasury yield plus a spread that widens in volatile or stressed markets. Historical extremes run from under three percent in 2020-2021 to above eighteen percent in 1981. Rising rates suppress affordability and can freeze existing-home inventory as owners hold onto cheaper loans; the spread over Treasuries itself is a useful stress signal.

Get 30 Year Mortgage Rate in Excel

Pull 30 Year Mortgage Rate directly into your spreadsheet with a single MarketXLS formula - always current, no copy-pasting:

=MortgageRate30y()

View the Mortgage Rate - 30 Year formula documentation or browse all 100+ Economic Data functions.

Frequently Asked Questions

What is the current 30 Year Mortgage Rate?

30 Year Mortgage Rate is 6.65 (Percent) as of August 2026.

What is the all-time high and low of 30 Year Mortgage Rate?

The highest value on record is 18.63 (October 1981) and the lowest is 2.65 (January 2021).

How often is 30 Year Mortgage Rate updated?

30 Year Mortgage Rate is published on a weekly basis, sourced from Federal Reserve Economic Data (FRED).

How do I get 30 Year Mortgage Rate in Excel?

Use the MarketXLS Excel formula =MortgageRate30y() to pull 30 Year Mortgage Rate directly into any cell, with historical values available for analysis.

Basic info
A mortgage rate is the rate of interest charged on a mortgage. Mortgage rates are determined by the lender and can be either fixed, staying the same for the term of the mortgage, or variable, fluctuating with a benchmark interest rate.
RegionUnited States
FrequencyWeekly
Last updatedAugust 20, 2026
Seasonal adjustmentNot Seasonally Adjusted
UnitPercent

Stats
Last Value6.65
Latest PeriodWk of Aug 20 2026
Last UpdatedAugust 20 2026, 11:02
Value Previous Week6.67
Change From Previous Week-0.30%
Value 1 Year Ago6.58
Change From Year Ago1.06%
Average Growth Rate-0.18%/yr
Record High (Oct 1981)18.63
Record Low (Jan 2021)2.65
Long-Term Average7.68
FrequencyWeekly
AdjustmentNot Seasonally Adjusted
UnitPercent

Annual Averages
20266.35
20256.6
20246.72
20236.81
20225.34
20212.96
20203.11
20193.94
20184.54
20173.99
20163.65
20153.85

Related Indicators
30-Year Mortgage vs 10-Year Treasury Spread
Monetary Base: Total
Currency in Circulation
Bank Reserves
M1 Money Supply
M2 Money Supply
S&P 500 Index
Dow Jones Industrial Average
Wilshire 5000 Total Market Index
CBOE Volatility Index: VIX
St. Louis Fed Financial Stress Index
AA US Corporate Bond Index (Total Return)
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