What is the average 30 year fixed rate mortgage

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Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971
Available PMMS® Information:
What is the lowest ever 30
Is it better to have 2 or 5 year fixed

30-Year Fixed-Rate Mortgages Since 1971

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Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971

20222021202020192018 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary3.450.72.740.73.620.74.460.54.030.5February3.760.82.810.73.470.74.370.54.330.6March4.170.83.080.73.450.74.270.54.440.5April4.980.83.060.73.310.74.140.54.470.5May5.230.92.960.73.230.74.070.54.590.4June5.520.92.980.73.160.83.800.54.570.5July5.410.82.870.73.020.83.770.64.530.5August5.220.82.840.72.940.83.620.54.550.5September6.110.82.900.72.890.83.610.54.630.5October6.900.83.070.72.830.73.690.64.830.5November 3.070.72.770.73.700.64.870.5December 3.100.62.680.73.720.74.640.5Annual Average5.080.82.960.7 3.11 0.7 3.94 0.5 4.540.5

20172016201520142013 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary4.150.53.870.63.670.64.430.73.410.7February4.170.53.660.63.710.64.300.73.530.8March4.20.53.690.53.770.64.340.63.570.8April4.050.53.610.63.670.64.340.73.450.8May4.010.53.600.63.840.64.190.63.540.7June3.90.53.570.53.980.74.160.64.070.8July3.970.53.440.54.050.64.130.64.370.8August3.880.53.440.53.910.64.120.64.460.7September3.810.53.460.53.890.64.160.54.490.7October 3.900.53.470.63.800.64.040.54.190.7November3.920.53.770.53.940.64.000.54.260.7December3.950.54.200.53.960.63.860.64.460.7Annual Average3.990.53.650.53.850.64.170.63.980.7

20122011201020092008 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary3.920.84.760.85.030.75.050.75.760.4February3.890.84.950.74.990.75.130.75.920.5March3.950.84.840.74.970.75.000.75.970.5April3.910.74.840.75.100.74.810.75.920.4May3.800.84.640.74.890.74.860.76.040.5June3.680.74.510.74.740.75.420.76.320.7July3.550.74.550.74.560.75.220.76.430.6August3.600.64.270.74.430.75.190.76.480.7September3.500.64.110.74.350.75.060.76.040.7October3.380.74.070.84.230.84.950.76.200.6November3.350.73.990.74.300.84.880.76.090.7December3.350.73.960.74.710.74.930.75.290.7Annual Average3.660.74.450.74.690.75.040.76.030.6

20072006200520042003 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary6.220.46.150.55.710.75.710.75.920.6February6.290.46.250.65.630.75.640.75.840.6March6.160.46.320.65.930.75.450.75.750.6April6.180.56.510.65.860.65.830.75.810.6May6.260.46.600.55.720.66.270.75.480.6June6.660.46.680.55.580.66.290.65.230.6July6.700.46.760.55.700.56.060.65.630.5August6.570.46.520.45.820.55.870.76.260.7September6.380.56.400.55.770.65.750.76.150.6October6.380.56.360.46.070.55.720.75.950.6November6.210.46.240.56.330.65.730.65.930.6December6.100.56.140.46.270.55.750.65.880.7Annual Average6.340.46.410.55.870.65.840.75.830.6

20022001200019991998 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary7.000.87.030.98.211.06.790.96.991.4February6.890.77.051.08.331.06.811.07.041.2March7.010.76.950.98.241.07.040.97.131.2April6.990.77.080.98.151.06.921.07.141.0May6.810.77.151.08.521.07.151.07.141.1June6.650.67.161.08.290.97.551.07.001.0July6.490.67.130.98.150.97.631.06.951.1August6.290.66.950.98.031.07.941.06.921.1September6.090.66.820.97.911.07.821.06.721.0October6.110.66.620.97.801.07.851.06.710.9November6.070.66.660.87.750.97.741.06.870.9December6.050.67.070.87.381.07.911.06.741.0Annual Average6.540.66.970.98.051.07.441.06.941.1

19971996199519941993 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary7.821.87.031.89.151.87.071.77.991.6February7.651.77.081.78.831.97.151.87.681.5March7.901.87.621.88.461.87.681.77.501.6April8.141.77.931.88.321.98.321.87.461.7May7.941.78.071.77.961.88.601.87.471.8June7.691.78.321.77.571.88.401.87.421.6July7.501.88.251.87.611.88.611.87.211.6August7.481.78.001.77.861.88.511.87.111.5September7.431.78.231.77.641.88.641.86.911.5October7.291.77.921.77.481.98.931.86.831.5November7.211.77.621.87.381.89.171.87.161.6December7.101.87.601.77.201.89.201.87.171.7Annual Average7.61.77.811.77.931.88.381.87.311.6

19921991199019891988 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary8.431.89.642.19.902.110.732.110.382.0February8.761.89.372.010.202.110.652.29.892.1March8.941.99.502.110.272.111.032.29.932.0April8.851.79.502.010.372.111.052.210.202.1May8.671.79.472.010.482.010.772.110.462.1June8.511.79.622.110.162.010.202.110.462.0July8.131.69.582.010.042.09.882.110.432.0August7.981.79.241.910.102.09.992.110.602.2September7.921.79.011.910.182.110.132.010.482.1October8.091.88.861.910.172.29.952.010.301.9November8.311.98.711.810.012.19.772.010.272.1December8.211.68.501.89.671.99.742.010.612.1Annual Average8.391.79.252.010.132.110.322.110.342.1

19871986198519841983 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary9.202.210.892.313.082.513.372.313.252.2February9.082.110.712.312.922.413.232.413.042.0March9.042.110.082.313.172.613.392.412.802.2April9.832.39.942.213.202.613.652.412.782.1May10.602.310.152.312.912.513.942.512.632.1June10.542.210.692.312.222.514.422.512.872.1July10.282.210.512.212.032.514.672.613.432.2August10.332.110.202.112.192.614.472.613.812.2September10.892.210.012.212.192.614.352.613.732.2October11.262.29.982.112.142.514.132.613.542.1November10.652.19.702.011.782.413.642.513.442.1December10.642.19.322.111.262.313.182.513.422.2Annual Average10.212.210.192.212.432.513.882.513.242.1

19821981198019791978 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary17.482.214.902.012.881.610.391.59.011.3February17.602.215.132.013.041.610.411.59.141.3March17.162.215.402.015.282.010.431.59.201.3April16.892.315.582.016.321.910.501.59.351.3May16.682.316.402.114.261.910.691.69.571.3June16.702.216.702.112.711.811.041.69.711.4July16.822.216.832.112.191.811.091.79.741.4August16.272.317.282.112.561.711.091.79.781.3September15.432.318.162.113.201.711.301.69.761.3October14.612.218.452.313.791.711.641.79.861.2November13.822.217.822.114.211.712.831.710.111.2December13.622.216.952.114.791.712.901.610.351.4Annual Average16.042.216.632.113.741.811.201.69.641.3

19771976197519741973 RatePtsRatePtsRatePtsRatePtsRatePtsJanuary8.721.19.021.19.431.28.541.07.440.9February8.671.18.811.09.101.28.461.07.441.0March8.691.28.761.38.891.18.411.07.460.9April8.751.18.731.38.821.08.581.07.540.9May8.831.18.761.38.911.18.971.17.650.9June8.861.18.851.38.891.09.091.27.730.9July8.941.18.931.28.891.19.281.38.051.0August8.941.19.001.28.941.19.591.38.501.0September8.901.18.981.29.121.19.961.48.821.1October8.921.28.921.29.221.19.981.58.771.1November8.921.18.811.39.151.19.791.48.581.0December8.961.28.791.29.101.19.621.38.541.0Annual Average8.851.18.871.29.051.19.191.28.041.0

19721971 RatePtsRatePtsJanuary7.441.0nanaFebruary7.320.9nanaMarch7.290.9nanaApril7.290.97.31naMay7.370.97.43naJune7.370.97.53naJuly7.400.97.60naAugust7.400.97.70naSeptember7.421.07.69naOctober7.421.07.63naNovember7.431.07.55naDecember7.441.07.48naAnnual Average7.380.9nana

Available PMMS® Information:

30-Year Fixed-Rate Historic Tables HTML / Excel
15-Year Fixed-Rate Historic Tables HTML / Excel
5-Year Adjustable-Rate Historic Tables HTML / Excel
Weekly PMMS Survey

Opinions, estimates, forecasts, and other views contained in this document are those of Freddie Mac’s economists and other researchers, do not necessarily represent the views of Freddie Mac or its management, and should not be construed as indicating Freddie Mac’s business prospects or expected results. Although the authors attempt to provide reliable, useful information, they do not guarantee that the information or other content in this document is accurate, current or suitable for any particular purpose. All content is subject to change without notice. All content is provided on an “as is” basis, with no warranties of any kind whatsoever. Information from this document may be used with proper attribution. Alteration of this document or its content is strictly prohibited. ©2022 by Freddie Mac.

What is 30

On Monday, December 05, 2022, the national average 30-year fixed mortgage APR is 6.56%. The average 30-year fixed refinance APR is 6.61%, according to Bankrate's latest survey of the nation's largest mortgage lenders.

What is the lowest ever 30

2021: The lowest 30-year mortgage rates ever And it kept falling to a new record low of just 2.65% in January 2021. However, record-low rates were largely dependent on accommodating, Covid-era policies from the Federal Reserve.

Is it better to have 2 or 5 year fixed

On average, homeowners will now pay more when fixing for two years than they will for five years, according to Moneyfacts data. The average two-year deal across all products now costs 5.75 per cent and the average five-year deal costs 5.48 per cent, according to Moneyfacts.