Average US long-term mortgage rate edges higher but remains near 2025 low

The average rate on a 30-year U.S. mortgage edged higher this week to just above its 2025 low

ByALEX VEIGA AP business writer

January 8, 2026, 12:03 PM

The average rate on a 30-year U.S. mortgage edged higher this week to just above its 2025 low.

The average long-term mortgage rate rose to 6.16%, mortgage buyer Freddie Mac said Thursday. That’s up slightly from 6.15% last week, when the average rate dropped to its lowest level since October 3, 2024. One year ago, the rate averaged 6.93%.

Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, rose this week to 5.46% from 5.44% the previous week. A year ago it averaged 6.14%, Freddie Mac said.

Popular Reads

Mortgage rates are influenced by several factors, from the Federal Reserve’s interest rate policy decisions to bond market investors’ expectations for the economy and inflation. They generally follow the trajectory of the 10-year Treasury yield, which lenders use as a guide to pricing home loans.

The 10-year yield was at 4.17% at midday Thursday.

Sponsored Content by Taboola

Read More

  • Related Posts

    Average US long-term mortgage rate hits the lowest point in more than 3 years

    The average long-term U.S. mortgage rate is now down to its lowest level in more than three years ByALEX VEIGA AP business writer January 15, 2026, 12:05 PM MCLEAN, Va.…

    Average US long-term mortgage rate falls to 6.23%, ending a three-week climb

    This page either does not exist or is currently unavailable. From here you can either hit the “back” button on your browser to return to the previous page, or visit…

    You Missed

    PSYCHIC SALLY on her predictions for the royals in 2026 and why Harry, Meghan and their children WILL return to the UK

    • By admin
    • January 28, 2026
    • 1 views
    PSYCHIC SALLY on her predictions for the royals in 2026 and why Harry, Meghan and their children WILL return to the UK

    Arise Sir Idris: Luther actor is knighted for his campaign against knife crime while the Lionesses lead sporting heroes recognised by the King in the New Year’s Honours

    • By admin
    • January 28, 2026
    • 1 views
    Arise Sir Idris: Luther actor is knighted for his campaign against knife crime while the Lionesses lead sporting heroes recognised by the King in the New Year’s Honours

    Lewis Capaldi is ordered to lower ‘excessively high’ fence around his £1.6million Glasgow mansion

    • By admin
    • January 28, 2026
    • 1 views
    Lewis Capaldi is ordered to lower ‘excessively high’ fence around his £1.6million Glasgow mansion

    Christmas dinner poisoning mystery deepens amid fears Italian father may have accidentally poisoned his wife and daughter to death with rat poison-laced flour

    • By admin
    • January 28, 2026
    • 1 views
    Christmas dinner poisoning mystery deepens amid fears Italian father may have accidentally poisoned his wife and daughter to death with rat poison-laced flour

    Famed Peruvian psychics predict ‘serious illness’ for Donald Trump, warn of natural disasters and foresee global wars in annual New Year’s fortune telling ritual

    • By admin
    • January 28, 2026
    • 1 views
    Famed Peruvian psychics predict ‘serious illness’ for Donald Trump, warn of natural disasters and foresee global wars in annual New Year’s fortune telling ritual

    The hero of Bondi is engulfed in a WILD media row after he suddenly pulled out of a Sky News Australia interview in his $6,000-a-night penthouse suite

    The hero of Bondi is engulfed in a WILD media row after he suddenly pulled out of a Sky News Australia interview in his $6,000-a-night penthouse suite