Interest Guru

Weekly update

Mortgage rates, week of March 12, 2026

The 30-year fixed averaged 6.11%, up 0.11 points from last week.

Average mortgage rates, 52 weeks to 2026-03-12Weekly Freddie Mac averages. The 30-year fixed was 6.11% in the week of 2026-03-12.5.0%5.5%6.0%6.5%7.0%AprJulOctJan 202630-year 6.11%15-year 5.50%
30-year fixed
6.11%
15-year fixed
5.50%
10-year Treasury
4.27%
Spread
1.84

The numbers behind the week

  • The 15-year fixed averaged 5.50%, up 0.07 points.
  • Between the two readings the 10-year Treasury yield rose 0.14 points and the gap between it and the mortgage rate narrowed 0.03 points. Together those make up the 0.11-point move.
  • Four weeks ago the 30-year average was 6.09%.
  • That is 0.54 points below a year ago (6.65%).
  • Over the past 52 weeks the 30-year average has ranged from 5.98% to 6.89%.
  • The spread over the 10-year Treasury is 1.84 points, against an average of 2.26 across the history on this site.
Change from the previous week
Change from March 5, 2026Points
10-year Treasury yield+0.14
Spread over the Treasury-0.03
30-year mortgage rate+0.11

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.