Best 30-Year Fixed Mortgage Rates Today - July 2026 | As Low As 4.99%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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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 Pearl Hawaii Federal Credit UnionPearl Hawaii Federal Credit Union1288 Ala Moana Blvd Ste 106, Ewa Beach, HI 96706 2268A+5.0 ★Texas Ratio: 2.22% offering 30 Year Mortgage- Owner Occupied, First Liens at 5.25%, 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 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 Mortgage at 5.50%.
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 25, 2026
Compare 30-Year Fixed Mortgage Rates Today
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Rates include all possible discounts. All loans subject to approval and terms.
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LTV: 90%
As Low As
As Low As; Fixed
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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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LTV: 85%
As Low As; Mortgage rates excluded; call for APR.
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N/A
LTV: 80%
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w/ automatic deduction
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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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As Low As
Limited-time Mortgage Special. 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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Max Loan Cost/Thousand: $5.94
Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
As Low As; 5 YEAR RATE LOCK WITH NO POINTS
As low as; Rate: 5.850%
As Low As
As low as; 30 Year Fixed
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As Low As; Low, Fixed Rates and Payments.
As Low As; *
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Monthly Payment Per $1000 Borrowed: $6.00
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
Origination Processing Fee: $695.00
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Rate Lock: 60 days
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UP TO $2; Additional Terms*
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As Low As
Up to 1.0 points**
As Low As; Discounted Mortgage Rates. Rates shown are based on 80% loan-to-value (LTV). APR calculations may exclude third-party fees and per diem interest. Interest rates shown are based on 80% loan-to-value (LTV) loan amounts on the sales price of $300k and a loan amount of $240k for purchase of an owner-occupied single-family residence. Financing options are available for up to 97% loan-to-value (LTV) loan amounts for owner-occupied single-family residences. Rates and APRs are subject to change and may not be available at the time of lock or loan commitment. APR for adjustable-rate mortgages are subject to increase after fixed rate period and does not include 3rd party costs or prepaid interest. APR calculations may exclude third-party fees and per diem interest. Proponent reserves the right to modify or discontinue products and benefits at any time without notice. If approved, your rate will depend on term of loan, financial history, income, and other factors. Rates and Terms are subject to change at any time without notice.
Closing Fees: $4303.00; Payment: $599.49
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As Low As; 6.128% APR*
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Payment Example: 360 principal and interest payments at $5.92
As Low As
See note 1
11% Down1; Special Offer<br/>
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.
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See note 1
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1 Point Option
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$200000
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10 year call
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Rate effective as of 7/10/2026. Based on a home rate/term refinance transaction loan amount of $187,500 with a property value of at least $250,000 and repayments term as stated. Rate scenarios are based on a 30-day lock.
The Life You're Imagining Starts at Home!
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Loan Amounts: Up To $250,000
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As Low As
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Rate Lock: 60 days
As Low As
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$100000
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Rates and Terms are subject to credit approval.
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Monthly Payment Per $1000 Borrowed: $6.16
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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*; Downpayment as low as* 5%; PMI
As Low As; For those who qualify. Rate as of 6/16/2026 and subject to change.
For Qualified Borrowers
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As low as
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Origination Fee: $4,425
Monthly Payment per $1,000: $6.16. Monthly Principal & Interest Payments Based on $100,000 Loan: 360 equal and consecutive monthly payments of $615.72
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Up to $500 off closing costs.
$300000
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€
as low as
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Rates subject to change without notice. Click for details.
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As Low As; Loan Amount: $226-250K
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Milford, Stratford, West Haven and Orange only
0 Points Option
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As Low As; $500 lender credit if closed by September 30.
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Mortgage rates are current as of July 20, 2026, and are subject to change at any time.
6.432%
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Closing Fees: $3,303.00; Payment: $615.72
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As Low As
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payment example
$100,000
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The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan. APR = Annual Percentage Rate; effective 07/14/2026 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges.
As Low As; Home is closer than you think. Navigate the journey confidently with Clearview.
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$100,000
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As Low As
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As of July 15, 2026
As of July 15, 2026
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As low as 6.375%
As low as 6.375%
$832750
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$250,000; NOT TO EXCEED $250,000
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360 payments of $935.80 at an interest rate of 6.375%
Origination Fee: 0%
$300,000
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Secondary Market
Payment Example: 360 principal and interest payments at $6.16
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As Low As; Annual Percentage Rate
Based on a $100,000 loan for the specified term
$300,000
LTV: 80%
As Low As
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$200,000
$200,000
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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. The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. 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 7/17/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
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. The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. 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 7/17/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
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As low as. Rates effective as of July 15, 2026.
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As Low As; APR*
Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%.
On a typical loan of $500,000.00.
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Origination Fee: $1,425
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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.
Maximum Amount: Per Guidelines; Security: Deed/Ins
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As Low As; 6.538%
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As Low As
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Fixed Rate Mortgages
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Loan qualification is based on an assessment of individual creditworthiness and our underwriting standards.
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Rate includes an asterisk indicating it is based on specific loan conditions.
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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 157+ banks and credit unions — updated daily.
The 30-year fixed rate rose 0.037 points over the past 7 days to 6.559%, up from 6.522% last week.
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 (2.934 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 | 6.559% (Current) | 6.809% (+0.25%) | 7.059% (+0.50%) | 6.309% (-0.25%) |
|---|---|---|---|---|
| 30-Year P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI | P&I / PTI |
| $150,000 |
$954
14.7%
|
$979
15.1%
|
$1,004
15.5%
|
$929
14.3%
|
| $200,000 |
$1,272
19.6%
|
$1,305
20.1%
|
$1,339
20.7%
|
$1,239
19.1%
|
| $250,000 (Median) |
$1,590
24.5%
|
$1,631
25.2%
|
$1,673
25.8%
|
$1,549
23.9%
|
| $300,000 |
$1,908
29.5%
|
$1,958
30.2% ⚠
|
$2,008
31% ⚠
|
$1,859
28.7%
|
| $350,000 |
$2,226
34.4% ⚠
|
$2,284
35.3% ⚠
|
$2,342
36.2% ⚠
|
$2,168
33.5% ⚠
|
| $400,000 |
$2,544
39.3% ⚠
|
$2,610
40.3% ⚠
|
$2,677
41.3% ⚠
|
$2,478
38.3% ⚠
|
| $500,000 |
$3,180
49.1% ⚠
|
$3,263
50.4% ⚠
|
$3,346
51.7% ⚠
|
$3,098
47.8% ⚠
|
| $600,000 |
$3,816
58.9% ⚠
|
$3,915
60.4% ⚠
|
$4,016
62% ⚠
|
$3,717
57.4% ⚠
|
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 6.559%, the monthly principal and interest payment is approximately $1,544 — representing a 23.8% 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 6.559% 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 157+ 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)
- Pearl Hawaii Federal Credit Union: 5.25% (30 Year Mortgage- Owner Occupied, First Liens)
- Harleysville Bank: 5.50% (30 Yr. Fixed)
- Credit Union 1 Credit Union: 5.38% (30-Year Fixed First time Homebuyer)
- First Citizens Federal Credit Union: 5.50% (30-Year Fixed Mortgage)
More Mortgage Rate Options
