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Today's Mortgage Rates

National averages for six common loan types, from actual rate locks, plus Freddie Mac's weekly benchmark. What they mean for a payment, in plain numbers.

Daily rates as of Fri, Sep 18, 2026

Rate-lock averages are published about one business day later, so “today’s” number is the latest business day’s. Freddie Mac’s survey comes out every Thursday.

30-yr Conforming

The standard loan most buyers get, up to the conforming limit.

7.04%

As of Fri, Sep 18, 2026

Up 0.03 vs Thu

30-day range

6.66%7.05%

90-day trend

Jun 22Sep 18

$668/mo principal & interest per $100,000 borrowed (30 yrs)

30-yr Jumbo

Loans above the conforming limit.

7.03%

As of Fri, Sep 18, 2026

Down 0.09 vs Thu

30-day range

6.62%7.12%

90-day trend

Jun 22Sep 18

$667/mo principal & interest per $100,000 borrowed (30 yrs)

30-yr FHA

Government-insured; often used with a smaller down payment.

6.80%

As of Fri, Sep 18, 2026

Up 0.02 vs Thu

30-day range

6.46%6.82%

90-day trend

Jun 22Sep 18

$652/mo principal & interest per $100,000 borrowed (30 yrs)

30-yr VA

For eligible veterans, service members and surviving spouses.

6.75%

As of Fri, Sep 18, 2026

Up 0.06 vs Thu

30-day range

6.27%6.75%

90-day trend

Jun 22Sep 18

$649/mo principal & interest per $100,000 borrowed (30 yrs)

30-yr USDA

For eligible homes in USDA-designated rural areas.

6.71%

As of Fri, Sep 18, 2026

Down 0.12 vs Thu

30-day range

6.38%6.83%

90-day trend

Jun 22Sep 18

$646/mo principal & interest per $100,000 borrowed (30 yrs)

15-yr Conforming

Pay the home off in half the time; higher payment, far less interest.

6.26%

As of Fri, Sep 18, 2026

Down 0.14 vs Thu

30-day range

5.92%6.44%

90-day trend

Jun 22Sep 18

$858/mo principal & interest per $100,000 borrowed (15 yrs)

The weekly benchmark

Freddie Mac’s Primary Mortgage Market Survey is the number the news quotes. It is weekly and based on applications, so it can differ a little from the daily rate-lock averages above.

30-yr Fixed (Freddie Mac)

The weekly national average most news stories quote.

6.95%

Week of Thu, Sep 17, 2026

Up 0.19 vs prior week

30-day range

6.65%6.95%

90-day trend

Jun 25Sep 17

$662/mo principal & interest per $100,000 borrowed (30 yrs)

15-yr Fixed (Freddie Mac)

Freddie Mac's weekly 15-year average.

6.26%

Week of Thu, Sep 17, 2026

Up 0.17 vs prior week

30-day range

5.95%6.26%

90-day trend

Jun 25Sep 17

$858/mo principal & interest per $100,000 borrowed (15 yrs)

What these rates mean on a home

Type a price. Every product below uses the same price and down payment so you can compare.

Home price ($)Down payment

Where are you shopping?

ZIP code (optional)

Property tax: 2.25% typical in Harris County. Typical total rate for the 17,904 homes for sale in Harris County (median of their certified 2025 tax bills; most are between 2.13% and 2.51%). Add your ZIP for a closer figure.

HOA dues ($ per month)

Typical in Harris County: $80/mo (74% of homes for sale there list an HOA). Set 0 if yours has none.

Loan amount: $360,000

30-yr Conforming at 7.04%$3,418/mo$2,404 principal & interest + $1,014 taxes, insurance & HOA
30-yr Jumbo at 7.03%$3,416/mo$2,403 principal & interest + $1,014 taxes, insurance & HOA
30-yr FHA at 6.80%$3,360/mo$2,347 principal & interest + $1,014 taxes, insurance & HOA
30-yr VA at 6.75%$3,349/mo$2,335 principal & interest + $1,014 taxes, insurance & HOA
30-yr USDA at 6.71%$3,339/mo$2,325 principal & interest + $1,014 taxes, insurance & HOA
15-yr Conforming at 6.26%$4,102/mo$3,088 principal & interest + $1,014 taxes, insurance & HOA

Property tax uses the typical 2.25% total rate in Harris County and the same insurance budget as our affordability calculator; your HOA is added when you enter one. Not included: mortgage insurance (it differs by product — PMI, FHA MIP, the VA funding fee, the USDA fee). Down payment rules differ by loan type — a lender will tell you yours. Jumbo only applies to loans above the conforming limit.

See all rates as a table

On a narrow screen this shows rate, change and monthly cost. Each rate card above also carries its as-of date and its 30-day low and high.

Product	Rate	As of	Change	30-day low–high	Per $100k
30-yr Conforming	7.04%	Sep 18, 2026	up 0.025	6.66% – 7.05%	$668/mo
30-yr Jumbo	7.03%	Sep 18, 2026	down 0.092	6.62% – 7.12%	$667/mo
30-yr FHA	6.80%	Sep 18, 2026	up 0.018	6.46% – 6.82%	$652/mo
30-yr VA	6.75%	Sep 18, 2026	up 0.057	6.27% – 6.75%	$649/mo
30-yr USDA	6.71%	Sep 18, 2026	down 0.117	6.38% – 6.83%	$646/mo
15-yr Conforming	6.26%	Sep 18, 2026	down 0.138	5.92% – 6.44%	$858/mo
30-yr Fixed (Freddie Mac)	6.95%	Sep 17, 2026	up 0.190	6.65% – 6.95%	$662/mo
15-yr Fixed (Freddie Mac)	6.26%	Sep 17, 2026	up 0.170	5.95% – 6.26%	$858/mo

National averages, not a quote

These are averages across the whole country. No lender has promised you these rates, and Allen is a REALTOR®, not a lender.

Your rate is personal

Your credit score, down payment, loan size, the property, and whether you pay points all move your rate up or down.

Rates move daily

A lender's quote is only good once you lock it. Watch the trend, then lock with a lender when the timing and the payment work for you.

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Zin Team
Zin Mortgage Group
913-294-7771 Email
Reilly Hupfeldt
Orca Home Loans
(321) 414-9180 Email Apply now
Cindy West
Matador Lending
(832) 370-7373 Email Apply now
Gary Warstler
Rocket Mortgage
(713) 387-9873 Email Website

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Today's Mortgage Rates

Daily national averages

30-yr Conforming

30-yr Jumbo

30-yr FHA

30-yr VA

30-yr USDA

15-yr Conforming

The weekly benchmark

30-yr Fixed (Freddie Mac)

15-yr Fixed (Freddie Mac)

What these rates mean on a home

National averages, not a quote

Your rate is personal

Rates move daily

Ready to see your real rate?