Interest Guru

Weekly update

Mortgage rates, week of October 22, 2026

The 30-year fixed averaged 7.32%, down 0.08 points from last week.

Average mortgage rates, 52 weeks to 2026-10-22Weekly Freddie Mac averages. The 30-year fixed was 7.32% in the week of 2026-10-22.5.0%5.5%6.0%6.5%7.0%7.5%Jan 2026AprJulOct30-year 7.32%15-year 6.68%
30-year fixed
7.32%
15-year fixed
6.68%
10-year Treasury
4.96%
Spread
2.36

The numbers behind the week

  • The 15-year fixed averaged 6.68%, down 0.03 points.
  • Between the two readings the 10-year Treasury yield fell 0.14 points and the gap between it and the mortgage rate widened 0.06 points. Together those make up the 0.08-point move.
  • Four weeks ago the 30-year average was 7.03%.
  • That is 1.13 points above a year ago (6.19%).
  • 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 2.36 points, against an average of 2.18 across the history on this site.
Change from the previous week
Change from October 15, 2026Points
10-year Treasury yield-0.14
Spread over the Treasury+0.06
30-year mortgage rate-0.08

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.