Best 30-Year Fixed Mortgage Rates Today - June 2026 | As Low As 4.25%
Brian McKay
Brian McKay
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Today's 30-year fixed mortgage market includes offers such as OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L24081 Ne State Route 3, Belfair, WA 98501A+5.0 ★Texas Ratio: 2.38% offering 30-Year Fixed (Affordable Construction Program) at 4.25%, and 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 First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.19% offering 30-Year Fixed at 5.00%, and H E TELEPHONEH E TELEPHONE201 W Passaic St Ste 304, Rochelle Park, NJ 07662 3126A5.0 ★Texas Ratio: 2.69% offering FIRST MORTGAGE 30 YEAR FIXED at 0.00%, and N.E.W. Credit UnionN.E.W. Credit Union1717 Superior Ave, Oconto, WI 54153 1859A+5.0 ★Texas Ratio: 2.49% offering 30 Year Fixed at 0.00%.
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 nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: June 11, 2026
Compare 30-Year Fixed Mortgage Rates Today
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Rates include all possible discounts.
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Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
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As Low As; Conventional & Government Mortgages
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30-Year Fixed-Rate Mortgage
As Low As; Downpayment as low as* 5%; PMI
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Annual Percentage Rate. APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 05/29/2026. Monthly payment example on $100,000.00, 30-year amortization results in 359 payments of $583.92 and a final payment of $581.11. Payment examples do not include taxes and insurance premiums. APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.
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Eligible homebuyers who meet income qualification guidelines may qualify for special pricing and reduced costs. Example payment schedule: A 30-year fixed-rate mortgage with a 0% down payment, $350,000 loan amount and a 5.823% APR, will have 360 monthly payments of approximately $2,042.50. Taxes and insurance will increase the total monthly payment obligation.â€
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Up to 80% Loan to Value
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Loans up to $2 million. Additional Terms*
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Rates apply to owner occupied single family residential properties. Interest rates are locked in at time of receipt of signed disclosures and will hold for 45 days from acceptance of the commitment. Down payments less than 20% may be subject to higher rates.
Fixed Rate
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As Low As; Low, Fixed Rates and Payments.
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11% Down1; Reduced closing costs.
Maximum Loan Amount: See note 1
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Loan Amounts: Up To $832,750
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required.
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Maximum Loan Amount: See note 1
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Fixed Rates - 1 Point Option
Maximum Loan Amount: See note 1
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As Low As; Up to 1.0 points**
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A $200,000.00 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $1,215.22 based on a 30 Year Fixed Rate at 6.125% with 1.875 points and 6.448% APR. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,249,125 for Honolulu, Kauai and Hawaii counties and $1,299,500 for Maui and Kalawao counties. Rates effective 6/3/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
APR: 6.448%
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Interest Rate (As Low As) *
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As Low As; Loan Amount: $226-250K
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Fixed Rates - 0 Points Option
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As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
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Interest Rate
Interest Rate
Loan Amounts: Up To $250,000
for Qualified Borrowers
APR: 6.307%
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Rates and Terms are subject to credit approval.
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Loan Amounts: $832,751-$1,000,000
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Rate with 20% down
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360 payments of $923.58 at an interest rate of 6.250%
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As Low As; Estimated Payment: $2,155.01 per month for 30 years
Origination Fee: $4,425
Monthly Principal & Interest Payments Based on $100,000 Loan: 360 equal and consecutive monthly payments of $615.72
VA Mortgage (Purchase) - 30-Year Only
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Annual Percentage Rate
Number of Monthly Payments: 360
Eligible homebuyers meeting property location qualification guidelines may qualify for special pricing and reduced costs. Example payment schedule: A 30-year fixed-rate mortgage with a 0% down payment, $350,000 loan amount and a 6.326% APR, will have 360 monthly payments of approximately $2,155.01. Taxes and insurance will increase the total monthly payment obligation. â€
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As low as 6.331%
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Annual Percentage Rate. Rates subject to change without notice.
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As Low As; Rates assume a NY property
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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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VA Mortgage (Purchase) - 30-Year Only
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Mortgage rates are current as of May 27, 2026, and are subject to change at any time.
Rates shown are based on loan amounts of $200,000.
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Fixed Rate Mortgage
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720 minimum credit score required.
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As low as 6.398%
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As of June 5, 2026
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20% Down on $200,000 Mortgage, 360 monthly payments of $1,247.74; Serviced by DMB
Rate with 20% down
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Rate current as of 5/19/2026. An excellent credit profile including a FICO score of 740. Your actual rate may be higher than those shown based on information relating to these factors as determined after you apply. Rate listed applies to owner-occupied primary residence loans of $15,000 - $1,000,000, up to 75% Loan to Value. The term of the loan is 30 years. Lifetime rate cap of 6.00% above intro rate. Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account. The initial 60 monthly payments will be $5.68 per $1,000 borrowed. After initial five year period, Trustco may adjust its mortgage rate every 12 months thereafter based on variable 1-Year Constant Maturity Treasury reported weekly (currently 3.750%) + 3.00% margin over the life of the loan rounded to the nearest .125%, with a maximum increase of 2.00% per period. Rate current as of 5/19/2026. Based on the current fully indexed rate, the rate will be 6.750% the monthly payments will be $6.39 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater. Rate applies to new purchases and refinances only. The APR and payments may be increased after consummation. We reserve the right to alter or withdraw these products or certain features thereof without prior notification. Lender paid Private Mortgage Insurance on loans over 89.5% Loan to Value. All loans subject to credit approval. NMLS #474376
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CAPS: N/A; Monthly Payment per $1,000: $6.24
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Based on a $100,000 loan for the specified term
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Rates as low as
As Low As; Loan Amount: $351K+
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As low as 6.467% APR**
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APR* as low as
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30-Year Fixed Mortgage Rate Trend
Daily national average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 163+ banks and credit unions — updated daily.
The 30-year fixed rate rose 0.038 points over the past 7 days to 6.534%, up from 6.496% last week.
30-Year Fixed Rate Forecast Jun 2026 – May 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 (2.909 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 national median income of $77,719/yr.
| Loan Amount | 6.534% (Current) | 6.784% (+0.25%) | 7.034% (+0.50%) | 6.284% (-0.25%) |
|---|---|---|---|---|
| 30-Year P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI |
| $150,000 |
$951
14.7%
|
$976
15.1%
|
$1,001
15.5%
|
$927
14.3%
|
| $200,000 |
$1,269
19.6%
|
$1,302
20.1%
|
$1,335
20.6%
|
$1,236
19.1%
|
| $250,000 (Median) |
$1,586
24.5%
|
$1,627
25.1%
|
$1,669
25.8%
|
$1,545
23.9%
|
| $300,000 |
$1,903
29.4%
|
$1,953
30.2% ⚠
|
$2,003
30.9% ⚠
|
$1,854
28.6%
|
| $350,000 |
$2,220
34.3% ⚠
|
$2,278
35.2% ⚠
|
$2,337
36.1% ⚠
|
$2,163
33.4% ⚠
|
| $400,000 |
$2,537
39.2% ⚠
|
$2,603
40.2% ⚠
|
$2,670
41.2% ⚠
|
$2,472
38.2% ⚠
|
| $500,000 |
$3,172
49% ⚠
|
$3,254
50.2% ⚠
|
$3,338
51.5% ⚠
|
$3,090
47.7% ⚠
|
| $600,000 |
$3,806
58.8% ⚠
|
$3,905
60.3% ⚠
|
$4,006
61.9% ⚠
|
$3,708
57.3% ⚠
|
Table shows principal & interest only. Actual mortgage payment includes taxes, insurance, and possibly HOA or PMI. PTI = P&I / (national median income / 12). ⚠ Red PTI indicates payment exceeds 30% of median monthly income.
National 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 nationwide.
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 national average of 6.534%, the monthly principal and interest payment is approximately $1,540 — representing a 23.8% PTI against the national median income. Financial guidelines typically recommend keeping total housing costs below 28–30% of gross income.
With a homeownership rate of 65.7% nationally, 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 national average of 6.534% 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 national survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Nationwide Lender Coverage: Our database monitors over 163+ banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and national online lenders. This breadth ensures you see competitive rates that many national 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?
- OlyFed Olympia Federal S&L: 4.25% (30-Year Fixed (Affordable Construction Program))
- Institution for Savings: 4.99% (First-Time/Affordable Homebuyer Loan* 30 Year Fixed)
- First Citizens Federal Credit Union: 5.00% (30-Year Fixed)
- H E TELEPHONE: 0.00% (FIRST MORTGAGE 30 YEAR FIXED)
- N.E.W. Credit Union: 0.00% (30 Year Fixed)
More Mortgage Rate Options
