Weekly update
Mortgage rates, week of August 13, 2026
The 30-year fixed averaged 6.67%, down 0.02 points from last week.
- 30-year fixed
- 6.67%
- 15-year fixed
- 5.96%
- 10-year Treasury
- 4.63%
- Spread
- 2.04
The numbers behind the week
- The 15-year fixed averaged 5.96%, down 0.05 points.
- Between the two readings the 10-year Treasury yield fell 0.06 points and the gap between it and the mortgage rate widened 0.04 points. Together those make up the 0.02-point move.
- Four weeks ago the 30-year average was 6.55%.
- That is 0.09 points above a year ago (6.58%).
- Over the past 52 weeks the 30-year average has ranged from 5.98% to 6.69%.
- The spread over the 10-year Treasury is 2.04 points, against an average of 2.20 across the history on this site.
| Change from August 6, 2026 | Points |
|---|---|
| 10-year Treasury yield | -0.06 |
| Spread over the Treasury | +0.04 |
| 30-year mortgage rate | -0.02 |
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.