Weekly update
Mortgage rates, week of July 23, 2026
The 30-year fixed averaged 6.58%, up 0.03 points from last week.
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
- 10-year Treasury
- 4.71%
- Spread
- 1.87
The numbers behind the week
- The 15-year fixed averaged 5.96%, up 0.03 points.
- Between the two readings the 10-year Treasury yield rose 0.14 points and the gap between it and the mortgage rate narrowed 0.11 points. Together those make up the 0.03-point move.
- Four weeks ago the 30-year average was 6.49%.
- That is 0.16 points below a year ago (6.74%).
- Over the past 52 weeks the 30-year average has ranged from 5.98% to 6.72%.
- The spread over the 10-year Treasury is 1.87 points, against an average of 2.20 across the history on this site.
| Change from July 16, 2026 | Points |
|---|---|
| 10-year Treasury yield | +0.14 |
| Spread over the Treasury | -0.11 |
| 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.