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Today’s 30-Year Fixed Mortgage Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Today's 30-Year Fixed Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Distribution by State

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Distribution by Lender Type

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-5.78%
5.315%
-11.12%
5.340%
-9.23%
5.340%
+0.00%
5.342%
-0.50%
5.393%
Feb 3, 2026 12:00 AM — mortgage-rates.ai
Mortgage benchmark rates have shown slight variations in the past few days. Today, the 30-Year Fixed FHA benchmark stood at 6.320%, with a nominal change of 0.019% from yesterday, while the 30-Year Fixed VA benchmark was at 5.871%, with a -0.035% change from a week ago. Experts attribute these fluctuations to market trends and economic reports that influence mortgage rates. For more information on… ... more
Feb 3, 2026 12:00 AM — mortgage-rates.ai
In the last few days, the 30-Year Fixed FHA Benchmark stood at 6.320%, showing a slight increase from a week ago but still below levels seen three months ago. Experts predict that mortgage rates may remain stable in the next 4 to 8 weeks, considering the recent trends in benchmark rates. However, variables like economic reports and government policy decisions could influence any significant… ... more
6.120%
+0.02% 30-Year Fixed
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.

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