Mortgage Rates - 30 Yr. Fixed: 7.33% — October 23, 2026 — Today (Pacific Time)
US mortgage rates for October 23, 2026: 30-Yr Fixed at 7.33% (+0.03% daily, -0.04% weekly). 15-Yr Fixed at 6.98%. Full rate table and trends inside.
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.33% | +0.03% | -0.04% | +0.07% | +1.15% | 5.99% | 7.61% |
| 15 Yr. Fixed | 6.98% | +0.02% | -0.06% | +0.11% | +1.24% | 5.55% | 7.23% |
| 30 Yr. FHA | 6.98% | +0.06% | -0.01% | +0.11% | +1.07% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.60% | +0.00% | -0.07% | +0.20% | +1.50% | 6.10% | 7.71% |
| 7/6 SOFR ARM | 6.75% | -0.03% | -0.06% | -0.01% | +0.93% | 5.29% | 6.95% |
| 30 Yr. VA | 6.99% | +0.05% | -0.02% | +0.10% | +1.06% | 5.64% | 7.25% |
Key Observations
Mortgage rates edged higher today, with the 30-year fixed climbing to 7.33% and most products posting small daily gains. Jumbo loans showed the largest monthly increase at +0.20%, while ARM rates remain notably lower at 6.75%, creating a 58-basis-point spread with the 30-year fixed. Rates remain near their 52-week highs across all products, with the 30-year fixed just 28 basis points below its recent peak of 7.61%.
This content is for informational purposes only and does not constitute financial advice. Rates shown are national averages and may vary by lender, credit score, and loan terms. Always consult with a qualified mortgage professional before making financial decisions.
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