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All • Buying • Selling • July 23, 2026

30 Year Mortgage Rate Ticks Up But Still Below Year Aago Levels

by Rodney Ward

Freddie Mac today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.58%.

“The 30-year fixed-rate mortgage averaged 6.58% this week,” said Sam Khater, Freddie Mac’s Chief Economist. “As market conditions continue to evolve, borrowers should remember that shopping around for a mortgage rate can make a meaningful difference, potentially saving them thousands over the loan’s lifetime.”

  • The 30-year FRM averaged 6.58% as of July 23, 2026, up from last week when it averaged 6.55%. A year ago at this time, the 30-year FRM averaged 6.74%.
  • The 15-year FRM averaged 5.96%, up from last week when it averaged 5.93%. A year ago at this time, the 15-year FRM averaged 5.87%.

The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit.

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