Mortgage Rates — United States
Weekly 30-year, 15-year and ARM rates for 2026 with trend charts and payment calculator, plus trends from past years to 2026.
Mortgage Payment Calculator
Principal + interest. Add taxes/insurance in your budget.
Weekly updates for 2026. Hover for rate.
- 30-year: Lower payment, more total interest.
- 15-year: Higher payment, ~50% less interest, builds equity faster.
- 5/1 ARM: Fixed 5 years, then adjusts yearly — risk if rates rise.
Frequently asked questions
What data does this page show?
Analyze current 30-year fixed mortgage rates. Plan your home purchase using real-time borrowing indexes and rate histories.
30-year vs 15-year?
30-year means lower payments and more interest; 15-year means higher payments but far less interest.
What moves mortgage rates?
Fed policy, Treasury yields, inflation and your credit profile — tracked weekly here.
How current are the figures?
All figures reflect 2026 and update automatically from official sources.
Where do the numbers come from?
All figures are compiled from official U.S. government public data and refreshed automatically. LifeIndexData is 100% free to use and fully independent: we are not affiliated with, sponsored by, or compensated by any bank, lender or financial institution, and advertising never influences our data or rankings.
How do I cite this page?
LifeIndexData. "Current U.S. Mortgage Rates: 30-Yr & 15-Yr Weekly Surveys (2026)" (2026). https://lifeindexdata.com/usa/housing/mortgage/
Is this financial advice?
No. All data is informational only — see our Disclaimer before making decisions.