Interest Guru

Weekly update

Mortgage rates, week of October 2, 2025

The 30-year fixed averaged 6.34%, up 0.04 points from last week.

Average mortgage rates, 52 weeks to 2025-10-02Weekly Freddie Mac averages. The 30-year fixed was 6.34% in the week of 2025-10-02.5.0%5.5%6.0%6.5%7.0%7.5%Jan 2025AprJulOct30-year 6.34%15-year 5.55%
30-year fixed
6.34%
15-year fixed
5.55%
10-year Treasury
4.10%
Spread
2.24

The numbers behind the week

  • The 15-year fixed averaged 5.55%, up 0.06 points.
  • Between the two readings the 10-year Treasury yield fell 0.08 points and the gap between it and the mortgage rate widened 0.12 points. Together those make up the 0.04-point move.
  • Four weeks ago the 30-year average was 6.50%.
  • Over the past 52 weeks the 30-year average has ranged from 6.26% to 7.04%.
  • The spread over the 10-year Treasury is 2.24 points, against an average of 2.37 across the history on this site.
Change from the previous week
Change from September 25, 2025Points
10-year Treasury yield-0.08
Spread over the Treasury+0.12
30-year mortgage rate+0.04

Each mortgage average is compared with the most recent daily Treasury yield on or before its date, so the split is approximate. The Treasury spread page explains the gap.