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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.

Rates by State

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Rates by Lender Type

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-3.61%
5.316%
+0.00%
5.319%
+1.40%
5.376%
-10.91%
5.389%
+0.00%
5.406%
Jan 20, 2026 12:00 AM — mortgage-rates.ai
The mortgage-rates.ai benchmark for 30-Year Fixed mortgages saw a nominal change of -0.087% from a week ago, currently standing at 6.041%. According to Mortgage News Daily, rates for 30-Year Fixed VA mortgages have also slightly decreased by 0.056% over the last week to 5.812%. Geopolitical factors like the recent Greenland tensions and tariff uncertainties continue to influence fluctuations in… ... more
Jan 20, 2026 12:00 AM — mortgage-rates.ai
Based on recent data, including the Mortgage News Daily benchmark update for 30-Year Fixed mortgages sitting at 6.210%, experts anticipate a slight increase in mortgage rates over the next 4 to 8 weeks. The 30-Year Fixed rates have seen slight fluctuations in recent days, with a nominal change of -0.140% from a week ago for the same benchmark. Geopolitical tensions, such as President Trump's… ... more
6.042%
+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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