Best 30-Year Fixed Mortgage Rates Today - September 2026 | As Low As 5.25%
Brian McKay
Brian McKay
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Today's 30-year fixed mortgage market includes offers such as Pearl Hawaii Federal Credit UnionPearl Hawaii Federal Credit Union1288 Ala Moana Blvd Ste 106, Ewa Beach, HI 96706 2268A+5.0 ★Texas Ratio: 1.61% offering 30 Year Mortgage- Owner Occupied, First Liens at 5.25%, and Chemcel Federal Credit UnionChemcel Federal Credit Union1901 S US Highway 77 Byp, Alice, TX 77414 3890A+5.0 ★Texas Ratio: 3.98% offering 30-year fixed at 5.50%, and Institution for SavingsInstitution for Savings112 County Rd, Amesbury, MA 01913A+5.0 ★Texas Ratio: 0.22% offering First-Time/Affordable Homebuyer Loan - 30 Year Fixed at 5.50%, and Advance Financial Federal Credit UnionAdvance Financial Federal Credit Union31 W US Highway 30, East Chicago, IN 46312A+5.0 ★Texas Ratio: 1.82% offering 30-Year Fixed Mortgage at 5.62%, and Florence BankFlorence Bank1 Main St, Amherst, MA 01002A+5.0 ★Texas Ratio: 2.70% offering Welcome Home - 30-Year Fixed Rate at 5.62%.
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: September 21, 2026
Compare 30-Year Fixed Mortgage Rates Today
As Low As; Payment Example Based on A-Tier rate of $100,000: $552.20
Rates include all possible discounts. Contact us to determine which discounts apply to you.
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As Low As; Payment Example Based on A-Tier rate of $100,000: $567.79
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Rates starting at
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Term: 30-Year Fixed First time Homebuyer; Owner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
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Term: 30 Year Fixed (or 360 monthly payments); Term Up to 80% Loan to Value
Term: 30 Year Fixed (or 360 monthly payments)
As Low As
As Low As
As Low As
Based on a $500,000 loan on a primary or second home in 1st lien position, with an 80% LTV.
Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
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Comparison to FL Average
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Advertised rates shown based on a 780+ credit score, 25% down payment, and 0.125% discount for auto-pay deducted from United Ultra or Free Checking account each month. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
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Up to 89% financing with no mortgage insurance required.
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Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
Loan Amounts: Up To $250,000
AS LOW AS 6.25 % 5 YEAR RATE LOCK WITH NO POINTS
as low as
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APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
As low as
According to Forbes, an average annual percentage rate of 6.29% represents the standard for a benchmark 30-year fixed home loan.
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with up to $500 off closing costs.
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As Low As
As Low As
As low as
Average rate as of September 16th. Tied more directly to the 10-year Treasury Bond.
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As low as
As Low As
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As Low As
See Details; Mortgage payment examples are based on a $150,000 loan with a minimum credit score of 740. Payment does not include taxes, insurance, or private mortgage insurance, if required as a condition of the loan. Actual terms and payment amounts vary based on each borrower's unique situation. Other rates, terms and payment options are available. All rates are subject to change without notice. Actual rate may be higher based on credit history, occupancy, LTV and loan type. No discount points. The rates provided assume the purpose of the loan is to purchase a single family residence that will be used as a primary residence. FSB is not responsible for typographical errors or omissions. As little as 3% down payment to purchase a home, with a loan amount of $125,000 or less and a credit score over 740. Contact a mortgage lender to see if you qualify for the HomeReady loan program. Call FSB's Mortgage department for more information: 319-730-6990
Current as of September 8, 2026. Rates are available to homebuyers throughout Eastern Iowa including Cedar Rapids, Marion, Iowa City, and Hiawatha.
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Loan amount not to exceed $499,999
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Term: Construction to Perm - 30 Year Fixed Rate
Term: No Closing Cost - 30 Year Fixed Rate
Closing Fees: $4303.00
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The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. 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. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Mortgage loans are available on properties here in Colorado, Arizona, New Mexico, Wyoming, Montana and Nebraska Must be owner occupied. Membership to Meritrust Credit Union is required.
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Term: 30-Year Fixed Rate With No LLPA's
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Rate Lock: 60 days
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 6.400% interest rate, the APR for this loan type is 6.489%. The payment schedule would be: 359 payments of $1,251.01 at an interest rate of 6.400% 1 payment of $1,251.64 at an interest rate of 6.400% 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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80% LTV. Fixed Rate Mortgage.
LTV: 90%
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Term: 30 Year Fixed Mortgage
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For other options with points, please call 610-485-2960 x751.
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Payment*: $607.61
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11% Down1; Special Offer; Composite APR includes prepaid finance charges such as, $88.00 Tax Service Fee, $80.00 Hazard Tracking Fee, $14.50 Flood Certificate Fee, and $200.00 Employment/Income Verification Fee.
20% Down; Max. Loan Amount: See note 1
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Down Payment: 20%
CAPS: N/A
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Owner Occupied 1st Deed of Trust Single Family - 4-Plex or Approved/Eligible Condo; Based on a $100,000 loan for the specified term
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The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525. Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; Home Loan rates as of 09/08/2026. The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points.
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Down Payment: 20%
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Important Assumptions
LTV: 85%
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60 DAY LOCK; as low as
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UP TO 80% LTV
Rate Lock: 60 days
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Closing Fees: $3,303.00
Payment*: $623.87
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CAPS: N/A
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Payments based upon a $125,000 purchase price with 20% down, loan amount of $100,000. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater.
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As low as;
As low as
Loan Amount: $100,000
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LTV: 80%
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Loan Amount $832,751-$2,000,000
Dream Loans for Dream Homes
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Application Fee: $600; Origination Fee: 0.250%
Payment*: $632.07
% Down: 20%
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On a typical loan of $500,000.00
Downpayment as low as*: 5%; PMI:
Downpayment as low as*: 5%; PMI:
As low as
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Term: 30 Year Fixed with 2 Points
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Caps: N/A
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As Low As; **
As low as; APY = Annual Percentage Yield
As Low As; Click here to learn more (Opens in a new Window)
Owner Occupied Only
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As Low As; Low, Fixed Rates and Payments.
Conventional loan of $200,000 based on a value of $334,000 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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Term: 30 Year Fixed with 1 Point
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Term: 30 Year Fixed Mortgage
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Published APR range: As low as 6.774%; Published rate range: As low as 6.500%. As low as; Rate: 6.500%; APR: 6.774%
Loan Amount: $300,000
Loan Amount: $300,000
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Loan Amount: $200,000
Loan Amount: $200,000
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As Low As
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Posted rates include a 0.50% discount for loans setup with automatic monthly payments out of a Security Bank of Kansas City Deposit account at origination. Requires an open and active checking or savings deposit account at Security Bank of Kansas City when the loan is originated.
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$250,000
Loans up to $832,750
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Term: 30 Year Mortgage Fixed Rate
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Up to $2,500 towards mortgage closing costs1; Expected monthly principal and interest payment for a 30-year fixed conventional mortgage of $388,000 at an interest rate of 6.375% with zero points (which is an equivalent APR of 6.818%) and a principal and interest payment of $2,420.59. Total principal and interest payment is $871,412.40 with an APR as low as 6.818% for a 30-year fixed conventional mortgage. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice.
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Loan Amount: $100,000
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Loans up to $832,750
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 158+ banks and credit unions — updated daily.
The 30-year fixed rate rose 0.221 points over the past 7 days to 6.975%, up from 6.754% last week.
30-Year Fixed Rate Forecast Sep 2026 – Aug 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 (3.350 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 | 6.975% (Current) | 7.225% (+0.25%) | 7.475% (+0.50%) | 6.725% (-0.25%) |
|---|---|---|---|---|
| 30-Year P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI |
| $150,000 |
$995
15.4%
|
$1,021
15.8%
|
$1,046
16.2%
|
$970
15%
|
| $200,000 |
$1,327
20.5%
|
$1,361
21%
|
$1,395
21.5%
|
$1,294
20%
|
| $250,000 (Median) |
$1,659
25.6%
|
$1,701
26.3%
|
$1,744
26.9%
|
$1,617
25%
|
| $300,000 |
$1,991
30.7% ⚠
|
$2,041
31.5% ⚠
|
$2,093
32.3% ⚠
|
$1,941
30%
|
| $350,000 |
$2,323
35.9% ⚠
|
$2,382
36.8% ⚠
|
$2,441
37.7% ⚠
|
$2,264
35% ⚠
|
| $400,000 |
$2,654
41% ⚠
|
$2,722
42% ⚠
|
$2,790
43.1% ⚠
|
$2,588
40% ⚠
|
| $500,000 |
$3,318
51.2% ⚠
|
$3,402
52.5% ⚠
|
$3,488
53.9% ⚠
|
$3,235
49.9% ⚠
|
| $600,000 |
$3,982
61.5% ⚠
|
$4,083
63% ⚠
|
$4,185
64.6% ⚠
|
$3,882
59.9% ⚠
|
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 6.975%, the monthly principal and interest payment is approximately $1,611 — representing a 24.9% 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 6.975% 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.
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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 158+ 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?
- Pearl Hawaii Federal Credit Union: 5.25% (30 Year Mortgage- Owner Occupied, First Liens)
- Chemcel Federal Credit Union: 5.50% (30-year fixed)
- Institution for Savings: 5.50% (First-Time/Affordable Homebuyer Loan - 30 Year Fixed)
- Advance Financial Federal Credit Union: 5.62% (30-Year Fixed Mortgage)
- Florence Bank: 5.62% (Welcome Home - 30-Year Fixed Rate)
More Mortgage Rate Options
