Interest Guru

Weekly update

Mortgage rates, week of October 30, 2025

The 30-year fixed averaged 6.17%, down 0.02 points from last week.

Average mortgage rates, 52 weeks to 2025-10-30Weekly Freddie Mac averages. The 30-year fixed was 6.17% in the week of 2025-10-30.5.0%5.5%6.0%6.5%7.0%7.5%Jan 2025AprJulOct30-year 6.17%15-year 5.41%
30-year fixed
6.17%
15-year fixed
5.41%
10-year Treasury
4.11%
Spread
2.06

The numbers behind the week

  • The 15-year fixed averaged 5.41%, down 0.03 points.
  • Between the two readings the 10-year Treasury yield rose 0.10 points and the gap between it and the mortgage rate narrowed 0.12 points. Together those make up the 0.02-point move.
  • Four weeks ago the 30-year average was 6.34%.
  • That is 0.55 points below a year ago (6.72%).
  • Over the past 52 weeks the 30-year average has ranged from 6.17% to 7.04%.
  • The spread over the 10-year Treasury is 2.06 points, against an average of 2.35 across the history on this site.
Change from the previous week
Change from October 23, 2025Points
10-year Treasury yield+0.10
Spread over the Treasury-0.12
30-year mortgage rate-0.02

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.