Interest Guru

Weekly update

Mortgage rates, week of December 31, 2025

The 30-year fixed averaged 6.15%, down 0.03 points from last week.

Average mortgage rates, 52 weeks to 2025-12-31Weekly Freddie Mac averages. The 30-year fixed was 6.15% in the week of 2025-12-31.5.0%5.5%6.0%6.5%7.0%7.5%AprJulOct30-year 6.15%15-year 5.44%
30-year fixed
6.15%
15-year fixed
5.44%
10-year Treasury
4.18%
Spread
1.97

The numbers behind the week

  • The 15-year fixed averaged 5.44%, down 0.06 points.
  • Between the two readings the 10-year Treasury yield rose 0.03 points and the gap between it and the mortgage rate narrowed 0.06 points. Together those make up the 0.03-point move.
  • Four weeks ago the 30-year average was 6.23%.
  • That is 0.70 points below a year ago (6.85%).
  • Over the past 52 weeks the 30-year average has ranged from 6.15% to 7.04%.
  • The spread over the 10-year Treasury is 1.97 points, against an average of 2.32 across the history on this site.
Change from the previous week
Change from December 24, 2025Points
10-year Treasury yield+0.03
Spread over the Treasury-0.06
30-year mortgage rate-0.03

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.