Mortgage Rates —30 Yr. Fixed: 7.48% — October 09, 2026 — Today (Pacific Time)
US mortgage rates for October 09, 2026: 30-Yr Fixed at 7.48% (-0.02% daily, -0.09% weekly). 15-Yr Fixed at 7.15%. Full rate table and trends inside.
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.48% | -0.02% | -0.09% | +0.51% | +1.10% | 5.99% | 7.61% |
| 15 Yr. Fixed | 7.15% | -0.02% | -0.04% | +0.61% | +1.27% | 5.55% | 7.23% |
| 30 Yr. FHA | 7.15% | -0.02% | -0.05% | +0.65% | +1.10% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.63% | -0.02% | -0.03% | +0.48% | +1.34% | 6.10% | 7.71% |
| 7/6 SOFR ARM | 6.90% | -0.05% | +0.05% | +0.37% | +1.05% | 5.29% | 6.95% |
| 30 Yr. VA | 7.17% | -0.01% | -0.04% | +0.65% | +1.10% | 5.64% | 7.25% |
Key Observations
Mortgage rates edged down slightly today, with most products declining 1-2 basis points, though the 7/6 SOFR ARM fell more sharply at -5 basis points. Rates remain elevated compared to a year ago, up roughly 1.1-1.3% annually across products, and are trading near 52-week highs with the 30-year jumbo at 7.63% close to its 7.71% peak. The 73 basis point spread between the 30-year fixed (7.48%) and ARM (6.90%) continues to favor adjustable-rate borrowers seeking near-term savings.
👉 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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