Weekly update
Mortgage rates, week of January 22, 2026
The 30-year fixed averaged 6.09%, up 0.03 points from last week.
- 30-year fixed
- 6.09%
- 15-year fixed
- 5.44%
- 10-year Treasury
- 4.26%
- Spread
- 1.83
The numbers behind the week
- The 15-year fixed averaged 5.44%, up 0.06 points.
- Between the two readings the 10-year Treasury yield rose 0.09 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 6.18%.
- That is 0.87 points below a year ago (6.96%).
- Over the past 52 weeks the 30-year average has ranged from 6.06% to 6.95%.
- The spread over the 10-year Treasury is 1.83 points, against an average of 2.30 across the history on this site.
| Change from January 15, 2026 | Points |
|---|---|
| 10-year Treasury yield | +0.09 |
| 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.