Best FHA Mortgage Rates Today June 2026 | As Low As 5.25%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's FHA mortgage rate mortgage market includes offers such as Utah First Federal Credit UnionUtah First Federal Credit Union1155 W Park Lane, American Fork, UT 84003A+5.0 ★Texas Ratio: 1.94% offering FHA Loan at 5.62%, and JSC Federal Credit UnionJSC Federal Credit Union1280 E League City Pkwy, Alvin, TX 77017A+5.0 ★Texas Ratio: 4.52% offering 30-year FHA Fixed at 5.25%, and FedFinancial Federal Credit UnionFedFinancial Federal Credit Union10903 New Hampshire Ave, Silver Spring, MD 20903 1058A+5.0 ★Texas Ratio: 1.98% offering FHA 30-Year Fixed Rate at 5.61%, and Credit Union West Credit UnionCredit Union West Credit Union10150 W Desert River Blvd, Avondale, AZ 85008 2442A+5.0 ★Texas Ratio: 2.75% offering 30 Year FHA Loan at 5.75%, and One Nevada Credit UnionOne Nevada Credit Union1090 W Sunset Rd Ste B, Henderson, NV 89014 6678A+5.0 ★Texas Ratio: 1.12% offering FHA 30 Year Fixed at 5.88%.
The FHA mortgage rate 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.
FHA Mortgage Rate 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 FHA Mortgage Rates Nationwide
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Rates are subject to change without notice. APR*
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As of June 9, 2026
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Rates last updated on 06/08/2026 at 12:30 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan's interest rate will depend upon specific characteristics of the loan and the borrower's credit history through the time of closing.
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FHA 30 Year Fixed
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As Low As; Purchase: 6.000% for 30-Year Fixed
FHA
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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 06/05/2026 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.
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Down Payment: 3.50%; Loan Amount: $241,250.00; LTV: 96.50%
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 06/05/2026 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.
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Monthly payment estimates are based on single family, owner occupied, 680 credit score, purchase transaction, no secondary financing, non-condo, 30 day lock. Actual closing costs may be higher or lower depending on where the property is located. Loan Amount: $200,000 Closing Cost: $7,009.58 Property Value: $203,690
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$350,000 Loan Amount - 740 Credit Score; 96.5% LTV
As Low As; Estimated Monthly Payment (P & I) [3] (Excludes taxes and hazard insurance; actual payment will be higher): $1,539.29
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FHA Assumptions: Purchase price $210,000, Loan Amount $206,196, 3.5% down-payment, 680 credit score, Illinois primary residence only, single family home, fees include 1.75% up front mortgage insurance premium (UFMIP) as required by FHA, results in higher APR, 45-day rate lock.
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FHA Mortgage Rate Mortgage Rate Trend
Daily national average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The FHA mortgage rate rate fell 0.010 points over the past 7 days to 6.692%, down from 6.702% last week.
FHA Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every FHA mortgage rate 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 8,500 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 FHA mortgage rate 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 FHA Mortgage Rate Mortgage Rates
What is an FHA loan?
What are the FHA loan down payment requirements?
What credit score do I need for an FHA loan?
What is FHA mortgage insurance (MIP)?
What are FHA loan limits?
How does an FHA loan compare to a conventional loan?
What is the difference between interest rate and APR on an FHA loan?
Can I refinance an FHA loan?
How are FHA mortgage rates determined?
What are today's best FHA mortgage rates?
- Utah First Federal Credit Union: 5.62% (FHA Loan)
- JSC Federal Credit Union: 5.25% (30-year FHA Fixed)
- FedFinancial Federal Credit Union: 5.61% (FHA 30-Year Fixed Rate)
- Credit Union West Credit Union: 5.75% (30 Year FHA Loan)
- One Nevada Credit Union: 5.88% (FHA 30 Year Fixed)
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