Weekly update
Mortgage rates, week of August 20, 2026
The 30-year fixed averaged 6.65%, down 0.02 points from last week.
- 30-year fixed
- 6.65%
- 15-year fixed
- 5.95%
- 10-year Treasury
- 4.69%
- Spread
- 1.96
The numbers behind the week
- The 15-year fixed averaged 5.95%, down 0.01 points.
- Between the two readings the 10-year Treasury yield rose 0.06 points and the gap between it and the mortgage rate narrowed 0.08 points. Together those make up the 0.02-point move.
- Four weeks ago the 30-year average was 6.58%.
- That is 0.07 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 1.96 points, against an average of 2.19 across the history on this site.
| Change from August 13, 2026 | Points |
|---|---|
| 10-year Treasury yield | +0.06 |
| Spread over the Treasury | -0.08 |
| 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.