US Mortgage Rates Daily

US Mortgage Rates Daily

Track current United States mortgage and refinance rate averages for FHA, conventional, and VA loans, updated from Zillow rate data.

Current United States Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate5.99%
1W Change 0.00%
APR6.721%
1W Change 0.00%

Conventional Loan Purchase - 30 Year Fixed

Rate6.768%
1W Change 0.05%
APR6.773%
1W Change 0.05%

VA Loan Purchase - 30 Year Fixed

Rate5.867%
1W Change 0.02%
APR6.201%
1W Change 0.02%

See more mortgage rates on Zillow


Current United States Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate5.99%
1W Change 0.14%
APR6.721%
1W Change 0.14%

Conventional Loan Refinance - 30 Year Fixed

Rate6.866%
1W Change 0.06%
APR6.872%
1W Change 0.06%

VA Loan Refinance - 30 Year Fixed

Rate5.841%
1W Change 0.02%
APR6.167%
1W Change 0.01%

See more mortgage rates on Zillow

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with a local mortgage broker to receive a personalized rate for your specific situation.

What are today’s US mortgage rates?

Mortgage and refinance rates move often. Use this page as a quick daily reference, then compare loan programs and speak with a licensed mortgage professional before making a borrowing decision.

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How today’s mortgage rates can affect your move

1

Buying a Home

Knowing current mortgage rates helps you estimate monthly payments, compare loan types, and understand how much home may fit your budget.

2

Refinancing a Home

Compare your current loan against today’s refinance averages to see whether a lower payment, shorter term, or different loan structure may be worth exploring.

Explore Your Mortgage Loan Options

Loan Type Down Payment Terms Mortgage Insurance
Fixed Rate Mortgages Often 5%+ 15 or 30 years, fixed No if under 80% loan-to-value
VA Home Loans Often none 15, 20, 25 or 30 years No monthly mortgage insurance
FHA Home Loans Often 3.5% 10, 15, 20, 25 or 30 years Yes
Jumbo Home Loans Often 20% 15 or 30 years Varies by lender
USDA Home Mortgages Often none 30 years, fixed Guarantee fee may apply
Adjustable Rate Mortgage Varies 3/1, 5/1, 7/1, or 10/1 Varies

Mortgage Shopping

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Refinance Review

Look at closing costs, break-even time, term changes, and total interest before refinancing.

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Responsible Borrowing

Rate averages are educational. Your actual offer depends on your credit, income, property, down payment, and lender criteria.

Read responsible lending guidance

United States Mortgage Rates History

Day FHA Conventional VA
Rate APR Rate APR Rate APR
Jul 14, 2026, Tuesday 5.99% 6.721% 6.771% 6.776% 5.894% 6.228%
Jul 13, 2026, Monday 5.99% 6.721% 6.734% 6.738% 5.849% 6.176%
Jul 12, 2026, Sunday 5.99% 6.721% 6.738% 6.742% 5.85% 6.18%
Jul 11, 2026, Saturday 5.99% 6.721% 6.733% 6.738% 5.846% 6.176%
Jul 10, 2026, Friday 5.99% 6.721% 6.715% 6.721% 5.845% 6.176%
Jul 9, 2026, Thursday 5.99% 6.721% 6.716% 6.722% 5.838% 6.171%
Jul 8, 2026, Wednesday 5.99% 6.721% 6.655% 6.661% 5.806% 6.135%
Jul 7, 2026, Tuesday 5.99% 6.721% 6.635% 6.641% 5.807% 6.136%
Jul 6, 2026, Monday 6.125% 6.859% 6.664% 6.669% 5.826% 6.156%
Jul 5, 2026, Sunday 6.125% 6.859% 6.663% 6.668% 5.825% 6.155%
Jul 4, 2026, Saturday 6.125% 6.859% 6.658% 6.663% 5.81% 6.138%
Jul 3, 2026, Friday 6.125% 6.859% 6.651% 6.658% 5.785% 6.117%
Jul 2, 2026, Thursday 6.125% 6.859% 6.658% 6.665% 5.803% 6.135%
Jul 1, 2026, Wednesday 6.125% 6.859% 6.6% 6.607% 5.737% 6.067%

See more mortgage rates on Zillow


United States Refinance Rates History

Day FHA Conventional VA
Rate APR Rate APR Rate APR
Jul 14, 2026, Tuesday 6.125% 6.859% 6.85% 6.857% 5.864% 6.196%
Jul 13, 2026, Monday 6.125% 6.859% 6.83% 6.837% 5.825% 6.154%
Jul 12, 2026, Sunday 6.125% 6.859% 6.831% 6.837% 5.824% 6.153%
Jul 11, 2026, Saturday 6.125% 6.859% 6.822% 6.829% 5.817% 6.147%
Jul 10, 2026, Friday 6.125% 6.859% 6.801% 6.809% 5.819% 6.152%
Jul 9, 2026, Thursday 6.125% 6.859% 6.785% 6.794% 5.827% 6.158%
Jul 8, 2026, Wednesday 6.125% 6.859% 6.741% 6.749% 5.771% 6.1%
Jul 7, 2026, Tuesday 6.125% 6.859% 6.728% 6.737% 5.775% 6.1%
Jul 6, 2026, Monday 6.125% 6.859% 6.755% 6.764% 5.805% 6.131%
Jul 5, 2026, Sunday 6.125% 6.859% 6.757% 6.766% 5.804% 6.133%
Jul 4, 2026, Saturday 6.125% 6.859% 6.75% 6.759% 5.792% 6.12%
Jul 3, 2026, Friday 6.125% 6.859% 6.737% 6.748% 5.772% 6.101%
Jul 2, 2026, Thursday 6.125% 6.859% 6.745% 6.755% 5.777% 6.106%
Jul 1, 2026, Wednesday 6.125% 6.859% 6.683% 6.691% 5.689% 6.018%

See more mortgage rates on Zillow