The 30-year fixed-rate mortgage averaged 6.58% this week. 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 fixed-rate mortgage 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 fixed-rate mortgage 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%.

Information provided by Freddie Mac.