Interest Guru

Weekly update

Mortgage rates, week of July 30, 2026

The 30-year fixed averaged 6.66%, up 0.08 points from last week.

Average mortgage rates, 52 weeks to 2026-07-30Weekly Freddie Mac averages. The 30-year fixed was 6.66% in the week of 2026-07-30.5.0%5.5%6.0%6.5%7.0%OctJan 2026AprJul30-year 6.66%15-year 6.04%
30-year fixed
6.66%
15-year fixed
6.04%
10-year Treasury
4.68%
Spread
1.98

The numbers behind the week

  • The 15-year fixed averaged 6.04%, up 0.08 points.
  • Between the two readings the 10-year Treasury yield fell 0.03 points and the gap between it and the mortgage rate widened 0.11 points. Together those make up the 0.08-point move.
  • Four weeks ago the 30-year average was 6.43%.
  • That is 0.06 points below a year ago (6.72%).
  • Over the past 52 weeks the 30-year average has ranged from 5.98% to 6.66%.
  • The spread over the 10-year Treasury is 1.98 points, against an average of 2.20 across the history on this site.
Change from the previous week
Change from July 23, 2026Points
10-year Treasury yield-0.03
Spread over the Treasury+0.11
30-year mortgage rate+0.08

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.