Interest Guru

Weekly update

Mortgage rates, week of September 17, 2026

The 30-year fixed averaged 6.95%, up 0.19 points from last week.

Average mortgage rates, 52 weeks to 2026-09-17Weekly Freddie Mac averages. The 30-year fixed was 6.95% in the week of 2026-09-17.5.0%5.5%6.0%6.5%7.0%OctJan 2026AprJul30-year 6.95%15-year 6.26%
30-year fixed
6.95%
15-year fixed
6.26%
10-year Treasury
4.94%
Spread
2.01

The numbers behind the week

  • The 15-year fixed averaged 6.26%, up 0.17 points.
  • Between the two readings the 10-year Treasury yield fell 0.01 points and the gap between it and the mortgage rate widened 0.20 points. Together those make up the 0.19-point move.
  • Four weeks ago the 30-year average was 6.65%.
  • That is 0.69 points above a year ago (6.26%).
  • Over the past 52 weeks the 30-year average has ranged from 5.98% to 6.95%.
  • The spread over the 10-year Treasury is 2.01 points, against an average of 2.18 across the history on this site.
Change from the previous week
Change from September 10, 2026Points
10-year Treasury yield-0.01
Spread over the Treasury+0.20
30-year mortgage rate+0.19

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.