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US mortgage calculator · Canada mortgage rates
National benchmark rates for conventional products in the United States. Figures are illustrative averages from the site data file — not live lender quotes. Browse by state below for local pages with additional context.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages from the site data file, not live quotes from lenders. Confirm pricing with banks and brokers. Not financial advice.
National averages for 30-year fixed mortgages are typically in the low-to-mid 6% range in 2026, with the best-qualified borrowers often seeing lower quotes. Your rate depends on credit score, down payment, loan type, and lender.
The underlying note rate is driven by national markets, but your all-in cost can differ by state because of taxes, insurance, and lender competition. Use the state links below for state-specific pages with local context.
The interest rate is the cost of borrowing the principal. APR includes certain lender fees and points spread over the loan, so APR is often higher than the quoted rate and is useful for comparing offers.
A 15-year loan usually has a lower rate and less total interest but a higher monthly payment. A 30-year loan improves monthly cash flow at the cost of more interest over the life of the loan.
No. Figures are illustrative benchmarks from the site data file. Always confirm pricing with banks, credit unions, or mortgage brokers before locking a loan.
US mortgage calculator · Educational reference only. Not financial or lending advice.