Best 30-Year Fixed Mortgage Rates Today - July 2026 | As Low As 4.99%
Brian McKay
Brian McKay
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Today's 30-year fixed mortgage market includes offers such as Institution for SavingsInstitution for Savings112 County Rd, Amesbury, MA 01913A+5.0 ★Texas Ratio: 0.11% offering First-Time/Affordable Homebuyer Loan* 30 Year Fixed at 4.99%, and Harleysville BankHarleysville Bank1550 Hatfield Valley Rd, Harleysville, PA 18084A+5.0 ★Texas Ratio: 3.02% offering 30 Yr. Fixed at 5.50%, and Credit Union 1 Credit UnionCredit Union 1 Credit Union111 Lower Mill Bay Rd, Anchorage, AK 99501 3411A+5.0 ★Texas Ratio: 5.48% offering 30-Year Fixed First time Homebuyer at 5.38%, and Northfield BankNorthfield Bank1 Hyatt St, Avenel, NJ 07001A+5.0 ★Texas Ratio: 1.88% offering 30 Year Fixed Rate Affordable Mortgage at 5.50%, and Regional Federal Credit UnionRegional Federal Credit Union10909 Randolph St, Hammond, IN 46307A+5.0 ★Texas Ratio: 4.25% offering 30 Year Fixed Mortgage at 5.38%.
The 30-year fixed mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable institution with confidence.
30-Year Fixed Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: July 5, 2026
Compare 30-Year Fixed Mortgage Rates Today
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Rates, terms, and monthly payments may vary based on credit qualifications, loan amount, loan-to-value ratio, occupancy, and other factors. Subject to credit approval. Membership eligibility required. Rates subject to change without notice.
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As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
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Fixed rate
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Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
Rates and terms are current as 5/15/26 and are subject to change at anytime without prior notice. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income. All loans are subject to credit approval. A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments.
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Includes Built-In End of Watch Loan Protection on Every Eligible Mortgage.
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AS LOW AS; NO POINTS
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As Low As; Downpayment: 5%; PMI:
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Eligible homebuyers who meet income qualification guidelines may qualify for special pricing and reduced costs. Taxes and insurance will increase the total monthly payment obligation.â€
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As Low As; Fixed Rate*
60 DAY LOCK; as low as
60 DAY LOCK; as low as
As Low As
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Limited-time offer. Rate is fixed.
Rate available to qualified buyers with an average credit score of 650 or higher.
As Low As; without DPA
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As Low As; Spring Rate Special - fixed for the first five years
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As Low As; Low, Fixed Rates and Payments.
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11% Down1; Special Offer
Maximum Loan Amount: See note 1
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Loan Amounts: Up To $832,750
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Fully Indexed Rate: N/A; Monthly Principal and Interest Payment per $1,000 Borrowed*: $6.00; Monthly Principal and Interest Payment per $1,000 After First Adjustment*: N/A
Maximum Loan Amount: See note 1
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Maximum Loan Amount: See note 1
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Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. Rate scenarios are based on a 30-day lock.
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Rate Lock: 60 days
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Up to 1.0 points**
Effective 6/16/2026; Annual Percentage Rate is based on a $150,000 loan amount; Rates are subject to increase after consummation/first adjustment; Down Payment Requirements: 20% down payment is required; less than a 20% down payment will require PMI Insurance; less than a 30% down payment will require real estate tax escrow; APR will vary depending on term.
As Low As; Rates may vary based on credit history, term, and collateral.
As Low As; **
As Low As
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Closing Fees: $4303.00
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$100,000
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Power Rate*
The rates shown are for the purchase of a primary residence with no points paid. Contact a Home Loan Expert for refinancing rates.
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As Low As; Fixed, FHA, Refinance
Origination Point: 0.00%
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Origination Fee: 0%
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Special mortgage offer! Plus up to $500 off closing costs!
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payment example
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Loan Amount: $250,000
As Low As; Origination: 1.75%
$200,000
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Par rate (no discount points). Your specific rate will be based on your unique circumstances and may differ from the rates shown.
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As Low As; Loan Amount: $226-250K
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As Low As
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As Low As; Origination: 0.75%
Interest Rate
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As Low As
6.307%
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As Low As; 6.331%
The Life You're Imagining Starts at Home!
Mortgage rates are current as of June 29, 2026, and are subject to change at any time.
Loan Amounts: Up To $250,000
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As Low As; Interest Rates*
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Rate Lock: 60 days
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Rate Lock Guarantee; 120 calendar day rate lock guarantee; Subject property must be located within Hampden, Hampshire or Franklin County of Massachusetts; maximum loan amount $766,550, loan to value ratio (LTV) of 95% or less, Private Mortgage Insurance (PMI) required if the LTV is more than 80%, and a minimum credit score of 680. Rates and fees may vary based upon your credit profile, property type, and/or LTV. Account subject to credit approval. Rates current as of 06/22/2026 and are subject to change. Homeowners' (and flood if applicable) insurance is required. Repayment example: $5.92 per $1,000 borrowed for 360 months. Payments do not include amounts for taxes and insurance, the actual payment will be greater. To guarantee 120 calendar day rate lock, a qualifying property must be identified and mortgage application submitted by the 75th calendar day from the date of the rate lock agreement. Only available on certain mortgage products.
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$100000; *Payment Example: $599.63
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Rates and Terms are subject to credit approval.
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Loan Amounts: $832,751-$1,000,000
Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000.
Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000.
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As Low As; Assumes $200,000 loan. Payments exclude taxes/insurance. For those who qualify. Rate as of 6/16/2026 and subject to change.
Interest rate: 6.25%; For Qualified Borrowers
As Low As; Origination: 0%
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As Low As
360 payments of $923.58 at an interest rate of 6.250%
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Origination Fee: $4,425
Monthly Principal & Interest Payments Based on $100,000 Loan: 360 equal and consecutive monthly payments of $615.72
As low as 6.319%
As Low As
$300,000
Number of Monthly Payments: 360
Eligible homebuyers meeting property location qualification guidelines may qualify for special pricing and reduced costs. Taxes and insurance will increase the total monthly payment obligation. â€
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As low as
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Rates subject to change without notice. Click for details.
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As Low As
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On a typical loan of $500,000.00, with a rate of 6.250% and an APR of 6.346%, 360 monthly payments of $3,078.59. Available for Properties located in Riverside and San Bernardino Counties.
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Milford, Stratford, West Haven and Orange only
Rate as low as*: 6.250%; As Low As; Discount Points: 1.000
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 6.275% interest rate, the APR for this loan type is 6.363%. The payment schedule would be: 359 payments of $1,234.69 at an interest rate of 6.275% 1 payment of $1,234.02 at an interest rate of 6.275% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.
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For Mortgage terms of 30 years estimated monthly payment is $6.16 per $1,000 borrowed.
as low as; Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock.
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As Low As; Learn more
6.423% APR*
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APR as low as
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As Low As; Downpayment as low as* 20%; PMI
Closing Fees: $3,303.00
Effective Date: June 16, 2026
The asterisk indicates that this rate is based on a conventional loan of $200,000 for a primary residence and rate/term refinance transaction of an existing single family detached home in the City of Albany, Albany County, New York for an interest rate lock period of 60 days and includes tax and homeowner's insurance escrows. The actual APR and fees will be based on individual loan features and creditworthiness of at least 780 credit score.
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As Low As; Starting at 6.39%
payment example
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Rates as low as 6.397 % APR
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As low as 6.398%
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Example payment schedule: A 30-year fixed-rate mortgage with a 20% down payment, $880,000 loan amount and a 6.410% APR, will have 360 monthly payments of approximately $5,490.06. Taxes and insurance will increase the total monthly payment obligation.â€
As Low As; Rates as low as 6.375%
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20% Down on $200,000 Mortgage, 360 monthly payments of $1,247.74
As Low As; Paid off in 30 years and monthly payment and interest rate remain constant for the life of the loan.
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$832,750
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Origination Fee: 0%
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
30-Year Fixed Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 169+ banks and credit unions — updated daily.
The 30-year fixed mortgage rate currently averages 6.443% based on data from 169+ lenders.
30-Year Fixed Rate Forecast Jul 2026 – Jun 2027
The projections below model expected 30-year fixed rate movement over the next 12 months based on the current Federal Reserve rate path, the prevailing spread over fed funds rate (2.818 pp), and a projected −0.15 pp 10-year Treasury compression in months 9–12. Upper and lower bands reflect a ±0.30 / 0.35 pp scenario range. These are analytical estimates, not guarantees.
30-Year Mortgage Housing Affordability Index
The Housing Affordability Index (HAI) measures whether a median-income family can qualify for a mortgage on a median-priced home. A score of 100 means median income exactly covers the qualifying income for a median-priced home. Scores above 100 indicate the median family earns more than necessary; scores below 100 indicate stretched affordability. View the full HAI report →
How 30-Year Mortgage Rates Impact Affordability
Even a small change in your 30-year fixed rate has a compounding effect on your monthly payment and total interest paid over 30 years. The table below shows principal & interest payments across common loan amounts at today's rate and nearby scenarios, with a PTI (payment-to-income) ratio using the U.S. median income of $77,719/yr.
| Loan Amount | 6.443% (Current) | 6.693% (+0.25%) | 6.943% (+0.50%) | 6.193% (-0.25%) |
|---|---|---|---|---|
| 30-Year P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI |
| $150,000 |
$942
14.5%
|
$967
14.9%
|
$992
15.3%
|
$918
14.2%
|
| $200,000 |
$1,257
19.4%
|
$1,290
19.9%
|
$1,323
20.4%
|
$1,224
18.9%
|
| $250,000 (Median) |
$1,571
24.3%
|
$1,612
24.9%
|
$1,654
25.5%
|
$1,530
23.6%
|
| $300,000 |
$1,885
29.1%
|
$1,934
29.9%
|
$1,984
30.6% ⚠
|
$1,836
28.3%
|
| $350,000 |
$2,199
34% ⚠
|
$2,257
34.8% ⚠
|
$2,315
35.7% ⚠
|
$2,142
33.1% ⚠
|
| $400,000 |
$2,513
38.8% ⚠
|
$2,579
39.8% ⚠
|
$2,646
40.9% ⚠
|
$2,448
37.8% ⚠
|
| $500,000 |
$3,142
48.5% ⚠
|
$3,224
49.8% ⚠
|
$3,307
51.1% ⚠
|
$3,060
47.2% ⚠
|
| $600,000 |
$3,770
58.2% ⚠
|
$3,869
59.7% ⚠
|
$3,969
61.3% ⚠
|
$3,672
56.7% ⚠
|
Table shows principal & interest only. Actual mortgage payment includes taxes, insurance, and possibly HOA or PMI. PTI = P&I / (U.S. median income / 12). ⚠ Red PTI indicates payment exceeds 30% of median monthly income.
U.S. Income & Housing Affordability
The figures below combine U.S. Census Bureau ACS 5-Year 2024 estimates with current 30-year mortgage rate data to give a real-world picture of homeownership affordability.
What These Numbers Mean for 30-Year Borrowers
A buyer purchasing the median-priced home ($303,400) with a 20% down payment ($60,680) would carry a $242,720 30-year fixed mortgage. At today's average of 6.443%, the monthly principal and interest payment is approximately $1,525 — representing a 23.5% PTI against the U.S. median income. Financial guidelines typically recommend keeping total housing costs below 28–30% of gross income.
With a homeownership rate of 65.7% across the U.S., a large portion of American households are already carrying mortgage debt. Monitoring rate trends can help both current homeowners evaluating refinance opportunities and prospective buyers timing their entry into the market.
Full Cost of Homeownership
Your 30-year mortgage payment is only one component of what you'll pay each month as a homeowner. The figures below draw on U.S. Census Bureau ACS 5-Year 2024 Selected Monthly Owner Costs (SMOC) data and give a more complete picture of ongoing ownership expenses.
30-Year Mortgage Calculators
Run the numbers on your 30-year fixed mortgage using today's average of 6.443% and U.S. Census median home data.
Types of 30-Year Mortgages Explained
Not all 30-year mortgages are the same. The loan type you choose affects your rate, down payment, qualification standards, and long-term costs. Here is a breakdown of the main categories available to borrowers.
FORM
Conforming Conventional
The most common 30-year product. Backed by Fannie Mae or Freddie Mac guidelines, conforming loans cannot exceed the FHFA conforming loan limit of $806,500 (2026). They typically require a minimum 3–5% down payment, a credit score of 620+, and private mortgage insurance (PMI) when the down payment is below 20%.
30-Year Jumbo
Jumbo loans exceed the FHFA conforming limit of $806,500. Because they cannot be sold to Fannie Mae or Freddie Mac, lenders hold them on their own books and typically require stricter qualification: credit scores of 700+, larger reserves, and down payments of 10–20%. Jumbo rates are often close to conforming rates but can be slightly higher or lower depending on the lender.
30-Year FHA Loan
Insured by the Federal Housing Administration (FHA), these loans allow down payments as low as 3.5% for borrowers with credit scores of 580+, and 10% for scores as low as 500. FHA rates are often competitive with conventional rates, but all FHA loans require mortgage insurance premiums (MIP) — both an upfront premium (1.75% of the loan) and an annual premium for the life of the loan in most cases.
30-Year VA Loan
Guaranteed by the U.S. Department of Veterans Affairs, VA loans are available to eligible veterans, active-duty service members, and qualifying surviving spouses. Key advantages include no down payment requirement, no private mortgage insurance, and typically the most competitive rates available. A one-time VA funding fee applies (usually 2.15–3.3% of the loan) but can be rolled into the loan balance.
30-Year USDA Loan
Backed by the U.S. Department of Agriculture, USDA loans offer 100% financing (no down payment) for eligible properties in designated rural and suburban areas. Borrowers must meet income limits (typically up to 115% of the area median income). Like FHA, USDA loans carry an upfront guarantee fee and an annual fee, but these are often lower than FHA premiums.
Conforming Loan Limit for 2026
Set annually by the FHFA. Loans at or below this limit qualify as conforming. Loans above it are jumbo. High-cost areas (e.g., metro New York, San Francisco, Honolulu) have higher limits up to 150% of the baseline.
View 30-Year Jumbo Rates →Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 30-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Coast-to-Coast Lender Coverage: Our database monitors over 169+ banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 30-year fixed mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 30-Year Fixed Mortgage Rates
What is a 30-year fixed-rate mortgage?
What is the monthly payment on a 30-year mortgage?
How does a 30-year mortgage compare to a 15-year mortgage?
How does my credit score affect my 30-year mortgage rate?
Should I lock my 30-year mortgage rate?
What is the difference between interest rate and APR on a 30-year mortgage?
What are mortgage points and should I pay them on a 30-year loan?
Can I refinance a 30-year mortgage?
How are 30-year mortgage rates determined?
What are today's best 30-year fixed mortgage rates?
- Institution for Savings: 4.99% (First-Time/Affordable Homebuyer Loan* 30 Year Fixed)
- Harleysville Bank: 5.50% (30 Yr. Fixed)
- Credit Union 1 Credit Union: 5.38% (30-Year Fixed First time Homebuyer)
- Northfield Bank: 5.50% (30 Year Fixed Rate Affordable Mortgage)
- Regional Federal Credit Union: 5.38% (30 Year Fixed Mortgage)
More Mortgage Rate Options
