Interest Guru

Weekly update

Mortgage rates, week of January 15, 2026

The 30-year fixed averaged 6.06%, down 0.10 points from last week.

Average mortgage rates, 52 weeks to 2026-01-15Weekly Freddie Mac averages. The 30-year fixed was 6.06% in the week of 2026-01-15.5.0%5.5%6.0%6.5%7.0%AprJulOctJan 202630-year 6.06%15-year 5.38%
30-year fixed
6.06%
15-year fixed
5.38%
10-year Treasury
4.17%
Spread
1.89

The numbers behind the week

  • The 15-year fixed averaged 5.38%, down 0.08 points.
  • Between the two readings the 10-year Treasury yield fell 0.02 points and the gap between it and the mortgage rate narrowed 0.08 points. Together those make up the 0.10-point move.
  • Four weeks ago the 30-year average was 6.21%.
  • That is 0.98 points below a year ago (7.04%).
  • Over the past 52 weeks the 30-year average has ranged from 6.06% to 6.96%.
  • The spread over the 10-year Treasury is 1.89 points, against an average of 2.30 across the history on this site.
Change from the previous week
Change from January 8, 2026Points
10-year Treasury yield-0.02
Spread over the Treasury-0.08
30-year mortgage rate-0.10

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.