Interest Guru

Weekly update

Mortgage rates, week of January 8, 2026

The 30-year fixed averaged 6.16%, up 0.01 points from last week.

Average mortgage rates, 52 weeks to 2026-01-08Weekly Freddie Mac averages. The 30-year fixed was 6.16% in the week of 2026-01-08.5.0%5.5%6.0%6.5%7.0%7.5%AprJulOctJan 202630-year 6.16%15-year 5.46%
30-year fixed
6.16%
15-year fixed
5.46%
10-year Treasury
4.19%
Spread
1.97

The numbers behind the week

  • The 15-year fixed averaged 5.46%, up 0.02 points.
  • Between the two readings the 10-year Treasury yield rose 0.01 points and the gap between it and the mortgage rate held steady. Together those make up the 0.01-point move.
  • Four weeks ago the 30-year average was 6.22%.
  • That is 0.77 points below a year ago (6.93%).
  • 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 2.31 across the history on this site.
Change from the previous week
Change from December 31, 2025Points
10-year Treasury yield+0.01
Spread over the Treasury+0.00
30-year mortgage rate+0.01

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.