Primary source
- Freddie Mac Primary Mortgage Market Survey (freddiemac.com · retrieved: )
- Freddie Mac Primary Mortgage Market Survey (data) (freddiemac.com · retrieved: )
Data transcribed from these sources on: .
Mortgage rates a year ago vs today
As of : Freddie Mac's survey dated October 22, 2026 shows a 30-year fixed mortgage rate of 7.32%, against 6.19% in the survey dated October 23, 2025 (+1.13 pp). The 15-year rate is 6.68%, against 5.44% (+1.24 pp). The comparison uses the survey closest to 52 weeks earlier. Changes are in percentage points.
Published: · Data updated:
Extended data
| Measure | Value |
|---|---|
| Latest survey | October 22, 2026 |
| Survey a year earlier | October 23, 2025 |
| 30-year: now | 7.32% |
| 30-year: year earlier | 6.19% |
| 30-year: change | +1.13 pp |
| 15-year: now | 6.68% |
| 15-year: year earlier | 5.44% |
| 15-year: change | +1.24 pp |
Surveys around the same date a year earlier
| Survey date | 30-year | 15-year |
|---|---|---|
| 2025-11-20 | 6.26% | 5.54% |
| 2025-11-13 | 6.24% | 5.49% |
| 2025-11-06 | 6.22% | 5.50% |
| 2025-10-30 | 6.17% | 5.41% |
| 2025-10-23 | 6.19% | 5.44% |
| 2025-10-16 | 6.27% | 5.52% |
| 2025-10-09 | 6.30% | 5.53% |
| 2025-10-02 | 6.34% | 5.55% |
| 2025-09-25 | 6.30% | 5.49% |
Frequently asked questions
Which survey counts as a year ago?
The survey dated closest to 364 days before the latest one: October 23, 2025.
Where do the figures come from?
Freddie Mac's PMMS history file, copied without adjustment.
Figures are copied or calculated from the official dataset named above, as retrieved on the date shown. This page is information, not financial, legal or investment advice.