Interest Guru

Weekly update

Mortgage rates, week of October 15, 2026

The 30-year fixed averaged 7.40%, unchanged from last week.

Average mortgage rates, 52 weeks to 2026-10-15Weekly Freddie Mac averages. The 30-year fixed was 7.40% in the week of 2026-10-15.5.0%5.5%6.0%6.5%7.0%7.5%Jan 2026AprJulOct30-year 7.40%15-year 6.71%
30-year fixed
7.40%
15-year fixed
6.71%
10-year Treasury
5.10%
Spread
2.30

The numbers behind the week

  • The 15-year fixed averaged 6.71%, down 0.02 points.
  • Four weeks ago the 30-year average was 6.95%.
  • That is 1.13 points above a year ago (6.27%).
  • 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 2.30 points, against an average of 2.18 across the history on this site.
Change from the previous week
Change from October 8, 2026Points
10-year Treasury yield-0.12
Spread over the Treasury+0.12
30-year mortgage rate+0.00

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.