Interest Guru

Weekly update

Mortgage rates, week of October 8, 2026

The 30-year fixed averaged 7.40%, up 0.12 points from last week.

Average mortgage rates, 52 weeks to 2026-10-08Weekly Freddie Mac averages. The 30-year fixed was 7.40% in the week of 2026-10-08.5.0%5.5%6.0%6.5%7.0%7.5%Jan 2026AprJulOct30-year 7.40%15-year 6.73%
30-year fixed
7.40%
15-year fixed
6.73%
10-year Treasury
5.22%
Spread
2.18

The numbers behind the week

  • The 15-year fixed averaged 6.73%, up 0.13 points.
  • Between the two readings the 10-year Treasury yield fell 0.02 points and the gap between it and the mortgage rate widened 0.14 points. Together those make up the 0.12-point move.
  • Four weeks ago the 30-year average was 6.76%.
  • That is 1.10 points above a year ago (6.30%).
  • Over the past 52 weeks the 30-year average has ranged from 5.98% to 7.40%.
  • The spread over the 10-year Treasury is 2.18 points, against an average of 2.18 across the history on this site.
Change from the previous week
Change from October 1, 2026Points
10-year Treasury yield-0.02
Spread over the Treasury+0.14
30-year mortgage rate+0.12

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.