Average Locked in Rates in the USA today.

Rates, Credit, and LTV Ratios

Rates calculated from actual locked rates with consumers across 35% of all mortgage transactions nationwide.

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FRED Mortgage Rate Graph.

Hover on graph with mouse to see rates.

This page uses the FRED® API and data from Optima Blue but is not endorsed or certified by the Federal Reserve Bank of St. Louis or Optima Blue.

May 27, 2022.

Rates are still low but climbing, and are expected to reach 6% this summer. Even so, historically, these are excellent rates. Review the chart and compare today's rates with past rates. The early 1980's were especially difficult. With such high rates, most of the few sales that were made required a high amount of cash, loan assumption or owner financing. Truly difficult times.

Today home prices are higher, due to demand and historically low interest rates. Rising rates will very likely impact prices and sellers will need to anticipate this. For example, today it costs the buyer $200.00 more per month for each $100,000.00 borrowed than it did last October. Rising rates will likely continue to exert downward pressure on home prices.