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All • Buying • Selling • July 16, 2026

30-Year Fuxed Averaged 6.55% This Week

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 6.55%.

“The 30-year fixed-rate mortgage averaged 6.55% this week,” said Sam Khater, Freddie Mac’s Chief Economist. “Purchase application demand has weakened recently, but housing affordability is more favorable and housing inventory continues to rise, thus the backdrop for prospective homebuyers is modestly improving.”

  • The 30-year FRM averaged 6.55% as of July 16, 2026, up from last week when it averaged 6.49%. A year ago at this time, the 30-year FRM averaged 6.75%.
  • The 15-year FRM averaged 5.93%, up from last week when it averaged 5.82%. A year ago at this time, the 15-year FRM averaged 5.92%.

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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