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Mortgage Rate History

Track 30-year, 15-year, and ARM mortgage rates over 1, 3, and 5 years. Data sourced directly from the Federal Reserve (Freddie Mac PMMS) — the same benchmark used by every major lender.

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30-Yr Fixed
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15-Yr Fixed
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5/1 ARM
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30-Yr Fixed Now
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1-Year Change
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52-Week Range

Historical Mortgage Rates

Source: Federal Reserve FRED · Freddie Mac Primary Mortgage Market Survey Updating…

Rate Milestones

Period 30-Yr High 30-Yr Low 30-Yr Avg vs Today
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Weekly Rate Data

Most recent 12 weeks
Week of 30-Yr Fixed Wk Change 15-Yr Fixed Wk Change
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📊 Rate Context

Current 30-Yr—
1-Year Ago—
3-Year Ago—
5-Year Ago—
All-time Low2.65% (Jan 2021)
All-time High18.63% (Oct 1981)

🔔 Rate Drop Alert

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❓ Rate History FAQ

When did mortgage rates peak?
The modern peak was November 2023, when 30-yr fixed rates hit 7.79% — the highest since 2000. Rates rose sharply from historic lows of 2.65% in January 2021 as the Fed raised rates to combat inflation.
Will mortgage rates drop in 2026?
Most economists expect gradual rate easing in 2026 as inflation cools and the Fed pivots. However, rates are unlikely to return to pandemic-era lows. Forecasts range from 6.0–6.5% by end of 2026.
How often do mortgage rates change?
Mortgage rates can change daily based on bond markets, but Freddie Mac publishes the official weekly survey every Thursday. Lenders may adjust their rates multiple times per day.
What drives mortgage rates?
The primary driver is the 10-year Treasury yield. When Treasury yields rise, mortgage rates typically follow. Inflation data, Fed policy decisions, and economic reports all influence the 10-year yield.