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Sunday, October 11, 2026
← The Economy · Data

What it costs to borrow

The 30-year fixed mortgage rate and the Federal Reserve's benchmark rate, five years.

Mortgage Rates and the Fed Funds Rate Today, Oct. 11, 2026: 7.40% on a 30-year mortgage · 3.75% Fed benchmark rate.

  • Source: Freddie Mac weekly survey and the effective federal funds rate, via FRED.
  • The full series and the latest readings are below.
  • PolitiKool tracks this figure continuously and charts how it has moved.

Latest reading

7.40% on a 30-year mortgage · 3.75% Fed benchmark rate

Trend

Source: Freddie Mac weekly survey and the effective federal funds rate, via FRED.

All readings

Date30-year mortgage
Oct 8, 20267.40%
Oct 1, 20267.28%
Sep 24, 20267.03%
Sep 17, 20266.95%
Sep 10, 20266.76%
Sep 3, 20266.71%
Aug 27, 20266.66%
Aug 20, 20266.65%
Aug 13, 20266.67%
Aug 6, 20266.69%
Jul 30, 20266.66%
Jul 23, 20266.58%
Jul 16, 20266.55%
Jul 9, 20266.49%
Jul 2, 20266.43%
Jun 25, 20266.49%
Jun 18, 20266.47%
Jun 11, 20266.52%
Jun 4, 20266.48%
May 28, 20266.53%
May 21, 20266.51%
May 14, 20266.36%
May 7, 20266.37%
Apr 30, 20266.30%
Apr 23, 20266.23%
Apr 16, 20266.30%
Apr 9, 20266.37%
Apr 2, 20266.46%
Mar 26, 20266.38%
Mar 19, 20266.22%
Mar 12, 20266.11%
Mar 5, 20266.00%
Feb 26, 20265.98%
Feb 19, 20266.01%
Feb 12, 20266.09%
Feb 5, 20266.11%
Jan 29, 20266.10%
Jan 22, 20266.09%
Jan 15, 20266.06%
Jan 8, 20266.16%
Dec 31, 20256.15%
Dec 24, 20256.18%
Dec 18, 20256.21%
Dec 11, 20256.22%
Dec 4, 20256.19%
Nov 26, 20256.23%
Nov 20, 20256.26%
Nov 13, 20256.24%
Nov 6, 20256.22%
Oct 30, 20256.17%
Oct 23, 20256.19%
Oct 16, 20256.27%
Oct 9, 20256.30%
Oct 2, 20256.34%
Sep 25, 20256.30%
Sep 18, 20256.26%
Sep 11, 20256.35%
Sep 4, 20256.50%
Aug 28, 20256.56%
Aug 21, 20256.58%
Aug 14, 20256.58%
Aug 7, 20256.63%
Jul 31, 20256.72%
Jul 24, 20256.74%
Jul 17, 20256.75%
Jul 10, 20256.72%
Jul 3, 20256.67%
Jun 26, 20256.77%
Jun 18, 20256.81%
Jun 12, 20256.84%
Jun 5, 20256.85%
May 29, 20256.89%
May 22, 20256.86%
May 15, 20256.81%
May 8, 20256.76%
May 1, 20256.76%
Apr 24, 20256.81%
Apr 17, 20256.83%
Apr 10, 20256.62%
Apr 3, 20256.64%
Mar 27, 20256.65%
Mar 20, 20256.67%
Mar 13, 20256.65%
Mar 6, 20256.63%
Feb 27, 20256.76%
Feb 20, 20256.85%
Feb 13, 20256.87%
Feb 6, 20256.89%
Jan 30, 20256.95%
Jan 23, 20256.96%
Jan 16, 20257.04%
Jan 9, 20256.93%
Jan 2, 20256.91%
Dec 26, 20246.85%
Dec 19, 20246.72%
Dec 12, 20246.60%
Dec 5, 20246.69%
Nov 27, 20246.81%
Nov 21, 20246.84%
Nov 14, 20246.78%
Nov 7, 20246.79%
Oct 31, 20246.72%
Oct 24, 20246.54%
Oct 17, 20246.44%
Oct 10, 20246.32%
Oct 3, 20246.12%
Sep 26, 20246.08%
Sep 19, 20246.09%
Sep 12, 20246.20%
Sep 5, 20246.35%
Aug 29, 20246.35%
Aug 22, 20246.46%
Aug 15, 20246.49%
Aug 8, 20246.47%
Aug 1, 20246.73%
Jul 25, 20246.78%
Jul 18, 20246.77%
Jul 11, 20246.89%
Jul 3, 20246.95%
Jun 27, 20246.86%
Jun 20, 20246.87%
Jun 13, 20246.95%
Jun 6, 20246.99%
May 30, 20247.03%
May 23, 20246.94%
May 16, 20247.02%
May 9, 20247.09%
May 2, 20247.22%
Apr 25, 20247.17%
Apr 18, 20247.10%
Apr 11, 20246.88%
Apr 4, 20246.82%
Mar 28, 20246.79%
Mar 21, 20246.87%
Mar 14, 20246.74%
Mar 7, 20246.88%
Feb 29, 20246.94%
Feb 22, 20246.90%
Feb 15, 20246.77%
Feb 8, 20246.64%
Feb 1, 20246.63%
Jan 25, 20246.69%
Jan 18, 20246.60%
Jan 11, 20246.66%
Jan 4, 20246.62%
Dec 28, 20236.61%
Dec 21, 20236.67%
Dec 14, 20236.95%
Dec 7, 20237.03%
Nov 30, 20237.22%
Nov 22, 20237.29%
Nov 16, 20237.44%
Nov 9, 20237.50%
Nov 2, 20237.76%
Oct 26, 20237.79%
Oct 19, 20237.63%
Oct 12, 20237.57%
Oct 5, 20237.49%
Sep 28, 20237.31%
Sep 21, 20237.19%
Sep 14, 20237.18%
Sep 7, 20237.12%
Aug 31, 20237.18%
Aug 24, 20237.23%
Aug 17, 20237.09%
Aug 10, 20236.96%
Aug 3, 20236.90%
Jul 27, 20236.81%
Jul 20, 20236.78%
Jul 13, 20236.96%
Jul 6, 20236.81%
Jun 29, 20236.71%
Jun 22, 20236.67%
Jun 15, 20236.69%
Jun 8, 20236.71%
Jun 1, 20236.79%
May 25, 20236.57%
May 18, 20236.39%
May 11, 20236.35%
May 4, 20236.39%
Apr 27, 20236.43%
Apr 20, 20236.39%
Apr 13, 20236.27%
Apr 6, 20236.28%
Mar 30, 20236.32%
Mar 23, 20236.42%
Mar 16, 20236.60%
Mar 9, 20236.73%
Mar 2, 20236.65%
Feb 23, 20236.50%
Feb 16, 20236.32%
Feb 9, 20236.12%
Feb 2, 20236.09%
Jan 26, 20236.13%
Jan 19, 20236.15%
Jan 12, 20236.33%
Jan 5, 20236.48%
Dec 29, 20226.42%
Dec 22, 20226.27%
Dec 15, 20226.31%
Dec 8, 20226.33%
Dec 1, 20226.49%
Nov 23, 20226.58%
Nov 17, 20226.61%
Nov 10, 20227.08%
Nov 3, 20226.95%
Oct 27, 20227.08%
Oct 20, 20226.94%
Oct 13, 20226.92%
Oct 6, 20226.66%
Sep 29, 20226.70%
Sep 22, 20226.29%
Sep 15, 20226.02%
Sep 8, 20225.89%
Sep 1, 20225.66%
Aug 25, 20225.55%
Aug 18, 20225.13%
Aug 11, 20225.22%
Aug 4, 20224.99%
Jul 28, 20225.30%
Jul 21, 20225.54%
Jul 14, 20225.51%
Jul 7, 20225.30%
Jun 30, 20225.70%
Jun 23, 20225.81%
Jun 16, 20225.78%
Jun 9, 20225.23%
Jun 2, 20225.09%
May 26, 20225.10%
May 19, 20225.25%
May 12, 20225.30%
May 5, 20225.27%
Apr 28, 20225.10%
Apr 21, 20225.11%
Apr 14, 20225.00%
Apr 7, 20224.72%
Mar 31, 20224.67%
Mar 24, 20224.42%
Mar 17, 20224.16%
Mar 10, 20223.85%
Mar 3, 20223.76%
Feb 24, 20223.89%
Feb 17, 20223.92%
Feb 10, 20223.69%
Feb 3, 20223.55%
Jan 27, 20223.55%
Jan 20, 20223.56%
Jan 13, 20223.45%
Jan 6, 20223.22%
Dec 30, 20213.11%
Dec 23, 20213.05%
Dec 16, 20213.12%
Dec 9, 20213.10%
Dec 2, 20213.11%
Nov 24, 20213.10%
Nov 18, 20213.10%
Nov 10, 20212.98%
Nov 4, 20213.09%
Oct 28, 20213.14%
Oct 21, 20213.09%
Oct 14, 20213.05%