Kinship Fieldnotes · No. 2
How much does the 30-year mortgage rate change between signing a contract and closing?
Every window since 2022.
Updated monthly.
Where it stands
The 30-year average was 7.32% for the week ending Oct 22, 2026. Six weeks earlier, on Sep 10, 2026, it was 6.76%: a rise of 0.56 points. 29 of 245 windows since 2022 (12%) rose by this much or more.
So what?
The latest six weeks added 0.56 points. 29 of 245 windows since 2022 (12%) rose by this much or more.
A rate window is a record, not a forecast. It shows how far the rate moved in past 6-week windows, not where it is headed.
Four, six and eight weeks cover many contract-to-close timelines. In the past year, the six-week change was more than an eighth of a point up in 20 of 52 windows and that far down in 3.
Ask the buyer’s loan officer, before the contract is signed, what a rate lock covers, how long it lasts and what it costs.
Unless a rate is locked, the rate at closing can differ from the rate when you signed the contract. A lock has a cost and an end date.
Ask what yours is, and what happens if closing runs past it. To see how a different rate changes what fits your budget, try the Affordability Explorer.
Unless a buyer’s rate is locked, their monthly payment on the same price moves with the rate.
Ask your agent how long your buyer’s financing timeline is and what happens to the closing date if it changes.
Since 2022
Each row is one calendar year of six-week windows. In 2025, 6-week moves ran from −0.37 to +0.24 points. In 2022, they ran from −0.82 to +1.57.
Thick bar: the middle 80% of windows. Light tick: the median. Open dots: the largest fall and the largest rise. All rows share one scale.
Past 12 months · 52 windows · rose 20, fell 3, unchanged 29 · median +0.08 · middle 80% −0.10 to +0.39 · largest rise +0.74 (Aug 27 to Oct 8: 6.66 to 7.40) · largest fall −0.15 (Jan 8 to Feb 19: 6.16 to 6.01)
| Period | Windows | Rose | Fell | Unchanged | Median | Middle 80% | Largest rise | Largest fall |
|---|---|---|---|---|---|---|---|---|
| Past 12 months | 52 | 20 | 3 | 29 | +0.08 | −0.10 to +0.39 | +0.74 | −0.15 |
| 2022 | 52 | 31 | 15 | 6 | +0.35 | −0.48 to +1.07 | +1.57 | −0.82 |
| 2023 | 52 | 28 | 15 | 9 | +0.18 | −0.55 to +0.49 | +0.61 | −0.83 |
| 2024 | 52 | 20 | 17 | 15 | +0.05 | −0.41 to +0.37 | +0.71 | −0.53 |
| 2025 | 53 | 4 | 22 | 27 | −0.10 | −0.28 to +0.09 | +0.24 | −0.37 |
| 2026* | 36 | 20 | 1 | 15 | +0.14 | −0.08 to +0.51 | +0.74 | −0.15 |
| All since 2022 | 245 | 103 | 70 | 72 | +0.07 | −0.37 to +0.61 | +1.57 | −0.83 |
* Windows that started this year through Sep 10, 2026; the latest finished by Oct 22, 2026.
Try a contract week
Drag along the line, tap a dot, or use the arrow keys. The dashed lines mark the window from that week to six weeks later. This shows what happened in past windows only.
A rise of 0.56 points. 29 of 245 windows since 2022 (12%) rose by this much or more.
Each dot is one six-week window (245 in all). Dots stack where moves were similar. Tap a dot to select it.
| Contract week | Rate | 6 weeks later | Rate | Change, points |
|---|---|---|---|---|
| Sep 10, 2026 | 6.76% | Oct 22, 2026 | 7.32% | +0.56 |
| Sep 3, 2026 | 6.71% | Oct 15, 2026 | 7.40% | +0.69 |
| Aug 27, 2026 | 6.66% | Oct 8, 2026 | 7.40% | +0.74 |
| Aug 20, 2026 | 6.65% | Oct 1, 2026 | 7.28% | +0.63 |
| Aug 13, 2026 | 6.67% | Sep 24, 2026 | 7.03% | +0.36 |
| Aug 6, 2026 | 6.69% | Sep 17, 2026 | 6.95% | +0.26 |
| Jul 30, 2026 | 6.66% | Sep 10, 2026 | 6.76% | +0.10 |
| Jul 23, 2026 | 6.58% | Sep 3, 2026 | 6.71% | +0.13 |
| Jul 16, 2026 | 6.55% | Aug 27, 2026 | 6.66% | +0.11 |
| Jul 9, 2026 | 6.49% | Aug 20, 2026 | 6.65% | +0.16 |
| Jul 2, 2026 | 6.43% | Aug 13, 2026 | 6.67% | +0.24 |
| Jun 25, 2026 | 6.49% | Aug 6, 2026 | 6.69% | +0.20 |
| Jun 18, 2026 | 6.47% | Jul 30, 2026 | 6.66% | +0.19 |
| Jun 11, 2026 | 6.52% | Jul 23, 2026 | 6.58% | +0.06 |
| Jun 4, 2026 | 6.48% | Jul 16, 2026 | 6.55% | +0.07 |
| May 28, 2026 | 6.53% | Jul 9, 2026 | 6.49% | −0.04 |
| May 21, 2026 | 6.51% | Jul 2, 2026 | 6.43% | −0.08 |
| May 14, 2026 | 6.36% | Jun 25, 2026 | 6.49% | +0.13 |
| May 7, 2026 | 6.37% | Jun 18, 2026 | 6.47% | +0.10 |
| Apr 30, 2026 | 6.30% | Jun 11, 2026 | 6.52% | +0.22 |
| Apr 23, 2026 | 6.23% | Jun 4, 2026 | 6.48% | +0.25 |
| Apr 16, 2026 | 6.30% | May 28, 2026 | 6.53% | +0.23 |
| Apr 9, 2026 | 6.37% | May 21, 2026 | 6.51% | +0.14 |
| Apr 2, 2026 | 6.46% | May 14, 2026 | 6.36% | −0.10 |
| Mar 26, 2026 | 6.38% | May 7, 2026 | 6.37% | −0.01 |
| Mar 19, 2026 | 6.22% | Apr 30, 2026 | 6.30% | +0.08 |
| Mar 12, 2026 | 6.11% | Apr 23, 2026 | 6.23% | +0.12 |
| Mar 5, 2026 | 6.00% | Apr 16, 2026 | 6.30% | +0.30 |
| Feb 26, 2026 | 5.98% | Apr 9, 2026 | 6.37% | +0.39 |
| Feb 19, 2026 | 6.01% | Apr 2, 2026 | 6.46% | +0.45 |
| Feb 12, 2026 | 6.09% | Mar 26, 2026 | 6.38% | +0.29 |
| Feb 5, 2026 | 6.11% | Mar 19, 2026 | 6.22% | +0.11 |
| Jan 29, 2026 | 6.10% | Mar 12, 2026 | 6.11% | +0.01 |
| Jan 22, 2026 | 6.09% | Mar 5, 2026 | 6.00% | −0.09 |
| Jan 15, 2026 | 6.06% | Feb 26, 2026 | 5.98% | −0.08 |
| Jan 8, 2026 | 6.16% | Feb 19, 2026 | 6.01% | −0.15 |
| Dec 31, 2025 | 6.15% | Feb 12, 2026 | 6.09% | −0.06 |
| Dec 24, 2025 | 6.18% | Feb 5, 2026 | 6.11% | −0.07 |
| Dec 18, 2025 | 6.21% | Jan 29, 2026 | 6.10% | −0.11 |
| Dec 11, 2025 | 6.22% | Jan 22, 2026 | 6.09% | −0.13 |
| Dec 4, 2025 | 6.19% | Jan 15, 2026 | 6.06% | −0.13 |
| Nov 26, 2025 | 6.23% | Jan 8, 2026 | 6.16% | −0.07 |
| Nov 20, 2025 | 6.26% | Dec 31, 2025 | 6.15% | −0.11 |
| Nov 13, 2025 | 6.24% | Dec 24, 2025 | 6.18% | −0.06 |
| Nov 6, 2025 | 6.22% | Dec 18, 2025 | 6.21% | −0.01 |
| Oct 30, 2025 | 6.17% | Dec 11, 2025 | 6.22% | +0.05 |
| Oct 23, 2025 | 6.19% | Dec 4, 2025 | 6.19% | 0.00 |
| Oct 16, 2025 | 6.27% | Nov 26, 2025 | 6.23% | −0.04 |
| Oct 9, 2025 | 6.30% | Nov 20, 2025 | 6.26% | −0.04 |
| Oct 2, 2025 | 6.34% | Nov 13, 2025 | 6.24% | −0.10 |
| Sep 25, 2025 | 6.30% | Nov 6, 2025 | 6.22% | −0.08 |
| Sep 18, 2025 | 6.26% | Oct 30, 2025 | 6.17% | −0.09 |
| Sep 11, 2025 | 6.35% | Oct 23, 2025 | 6.19% | −0.16 |
| Sep 4, 2025 | 6.50% | Oct 16, 2025 | 6.27% | −0.23 |
| Aug 28, 2025 | 6.56% | Oct 9, 2025 | 6.30% | −0.26 |
| Aug 21, 2025 | 6.58% | Oct 2, 2025 | 6.34% | −0.24 |
| Aug 14, 2025 | 6.58% | Sep 25, 2025 | 6.30% | −0.28 |
| Aug 7, 2025 | 6.63% | Sep 18, 2025 | 6.26% | −0.37 |
| Jul 31, 2025 | 6.72% | Sep 11, 2025 | 6.35% | −0.37 |
| Jul 24, 2025 | 6.74% | Sep 4, 2025 | 6.50% | −0.24 |
| Jul 17, 2025 | 6.75% | Aug 28, 2025 | 6.56% | −0.19 |
| Jul 10, 2025 | 6.72% | Aug 21, 2025 | 6.58% | −0.14 |
| Jul 3, 2025 | 6.67% | Aug 14, 2025 | 6.58% | −0.09 |
| Jun 26, 2025 | 6.77% | Aug 7, 2025 | 6.63% | −0.14 |
| Jun 18, 2025 | 6.81% | Jul 31, 2025 | 6.72% | −0.09 |
| Jun 12, 2025 | 6.84% | Jul 24, 2025 | 6.74% | −0.10 |
| Jun 5, 2025 | 6.85% | Jul 17, 2025 | 6.75% | −0.10 |
| May 29, 2025 | 6.89% | Jul 10, 2025 | 6.72% | −0.17 |
| May 22, 2025 | 6.86% | Jul 3, 2025 | 6.67% | −0.19 |
| May 15, 2025 | 6.81% | Jun 26, 2025 | 6.77% | −0.04 |
| May 8, 2025 | 6.76% | Jun 18, 2025 | 6.81% | +0.05 |
| May 1, 2025 | 6.76% | Jun 12, 2025 | 6.84% | +0.08 |
| Apr 24, 2025 | 6.81% | Jun 5, 2025 | 6.85% | +0.04 |
| Apr 17, 2025 | 6.83% | May 29, 2025 | 6.89% | +0.06 |
| Apr 10, 2025 | 6.62% | May 22, 2025 | 6.86% | +0.24 |
| Apr 3, 2025 | 6.64% | May 15, 2025 | 6.81% | +0.17 |
| Mar 27, 2025 | 6.65% | May 8, 2025 | 6.76% | +0.11 |
| Mar 20, 2025 | 6.67% | May 1, 2025 | 6.76% | +0.09 |
| Mar 13, 2025 | 6.65% | Apr 24, 2025 | 6.81% | +0.16 |
| Mar 6, 2025 | 6.63% | Apr 17, 2025 | 6.83% | +0.20 |
| Feb 27, 2025 | 6.76% | Apr 10, 2025 | 6.62% | −0.14 |
| Feb 20, 2025 | 6.85% | Apr 3, 2025 | 6.64% | −0.21 |
| Feb 13, 2025 | 6.87% | Mar 27, 2025 | 6.65% | −0.22 |
| Feb 6, 2025 | 6.89% | Mar 20, 2025 | 6.67% | −0.22 |
| Jan 30, 2025 | 6.95% | Mar 13, 2025 | 6.65% | −0.30 |
| Jan 23, 2025 | 6.96% | Mar 6, 2025 | 6.63% | −0.33 |
| Jan 16, 2025 | 7.04% | Feb 27, 2025 | 6.76% | −0.28 |
| Jan 9, 2025 | 6.93% | Feb 20, 2025 | 6.85% | −0.08 |
| Jan 2, 2025 | 6.91% | Feb 13, 2025 | 6.87% | −0.04 |
| Dec 26, 2024 | 6.85% | Feb 6, 2025 | 6.89% | +0.04 |
| Dec 19, 2024 | 6.72% | Jan 30, 2025 | 6.95% | +0.23 |
| Dec 12, 2024 | 6.60% | Jan 23, 2025 | 6.96% | +0.36 |
| Dec 5, 2024 | 6.69% | Jan 16, 2025 | 7.04% | +0.35 |
| Nov 27, 2024 | 6.81% | Jan 9, 2025 | 6.93% | +0.12 |
| Nov 21, 2024 | 6.84% | Jan 2, 2025 | 6.91% | +0.07 |
| Nov 14, 2024 | 6.78% | Dec 26, 2024 | 6.85% | +0.07 |
| Nov 7, 2024 | 6.79% | Dec 19, 2024 | 6.72% | −0.07 |
| Oct 31, 2024 | 6.72% | Dec 12, 2024 | 6.60% | −0.12 |
| Oct 24, 2024 | 6.54% | Dec 5, 2024 | 6.69% | +0.15 |
| Oct 17, 2024 | 6.44% | Nov 27, 2024 | 6.81% | +0.37 |
| Oct 10, 2024 | 6.32% | Nov 21, 2024 | 6.84% | +0.52 |
| Oct 3, 2024 | 6.12% | Nov 14, 2024 | 6.78% | +0.66 |
| Sep 26, 2024 | 6.08% | Nov 7, 2024 | 6.79% | +0.71 |
| Sep 19, 2024 | 6.09% | Oct 31, 2024 | 6.72% | +0.63 |
| Sep 12, 2024 | 6.20% | Oct 24, 2024 | 6.54% | +0.34 |
| Sep 5, 2024 | 6.35% | Oct 17, 2024 | 6.44% | +0.09 |
| Aug 29, 2024 | 6.35% | Oct 10, 2024 | 6.32% | −0.03 |
| Aug 22, 2024 | 6.46% | Oct 3, 2024 | 6.12% | −0.34 |
| Aug 15, 2024 | 6.49% | Sep 26, 2024 | 6.08% | −0.41 |
| Aug 8, 2024 | 6.47% | Sep 19, 2024 | 6.09% | −0.38 |
| Aug 1, 2024 | 6.73% | Sep 12, 2024 | 6.20% | −0.53 |
| Jul 25, 2024 | 6.78% | Sep 5, 2024 | 6.35% | −0.43 |
| Jul 18, 2024 | 6.77% | Aug 29, 2024 | 6.35% | −0.42 |
| Jul 11, 2024 | 6.89% | Aug 22, 2024 | 6.46% | −0.43 |
| Jul 3, 2024 | 6.95% | Aug 15, 2024 | 6.49% | −0.46 |
| Jun 27, 2024 | 6.86% | Aug 8, 2024 | 6.47% | −0.39 |
| Jun 20, 2024 | 6.87% | Aug 1, 2024 | 6.73% | −0.14 |
| Jun 13, 2024 | 6.95% | Jul 25, 2024 | 6.78% | −0.17 |
| Jun 6, 2024 | 6.99% | Jul 18, 2024 | 6.77% | −0.22 |
| May 30, 2024 | 7.03% | Jul 11, 2024 | 6.89% | −0.14 |
| May 23, 2024 | 6.94% | Jul 3, 2024 | 6.95% | +0.01 |
| May 16, 2024 | 7.02% | Jun 27, 2024 | 6.86% | −0.16 |
| May 9, 2024 | 7.09% | Jun 20, 2024 | 6.87% | −0.22 |
| May 2, 2024 | 7.22% | Jun 13, 2024 | 6.95% | −0.27 |
| Apr 25, 2024 | 7.17% | Jun 6, 2024 | 6.99% | −0.18 |
| Apr 18, 2024 | 7.10% | May 30, 2024 | 7.03% | −0.07 |
| Apr 11, 2024 | 6.88% | May 23, 2024 | 6.94% | +0.06 |
| Apr 4, 2024 | 6.82% | May 16, 2024 | 7.02% | +0.20 |
| Mar 28, 2024 | 6.79% | May 9, 2024 | 7.09% | +0.30 |
| Mar 21, 2024 | 6.87% | May 2, 2024 | 7.22% | +0.35 |
| Mar 14, 2024 | 6.74% | Apr 25, 2024 | 7.17% | +0.43 |
| Mar 7, 2024 | 6.88% | Apr 18, 2024 | 7.10% | +0.22 |
| Feb 29, 2024 | 6.94% | Apr 11, 2024 | 6.88% | −0.06 |
| Feb 22, 2024 | 6.90% | Apr 4, 2024 | 6.82% | −0.08 |
| Feb 15, 2024 | 6.77% | Mar 28, 2024 | 6.79% | +0.02 |
| Feb 8, 2024 | 6.64% | Mar 21, 2024 | 6.87% | +0.23 |
| Feb 1, 2024 | 6.63% | Mar 14, 2024 | 6.74% | +0.11 |
| Jan 25, 2024 | 6.69% | Mar 7, 2024 | 6.88% | +0.19 |
| Jan 18, 2024 | 6.60% | Feb 29, 2024 | 6.94% | +0.34 |
| Jan 11, 2024 | 6.66% | Feb 22, 2024 | 6.90% | +0.24 |
| Jan 4, 2024 | 6.62% | Feb 15, 2024 | 6.77% | +0.15 |
| Dec 28, 2023 | 6.61% | Feb 8, 2024 | 6.64% | +0.03 |
| Dec 21, 2023 | 6.67% | Feb 1, 2024 | 6.63% | −0.04 |
| Dec 14, 2023 | 6.95% | Jan 25, 2024 | 6.69% | −0.26 |
| Dec 7, 2023 | 7.03% | Jan 18, 2024 | 6.60% | −0.43 |
| Nov 30, 2023 | 7.22% | Jan 11, 2024 | 6.66% | −0.56 |
| Nov 22, 2023 | 7.29% | Jan 4, 2024 | 6.62% | −0.67 |
| Nov 16, 2023 | 7.44% | Dec 28, 2023 | 6.61% | −0.83 |
| Nov 9, 2023 | 7.50% | Dec 21, 2023 | 6.67% | −0.83 |
| Nov 2, 2023 | 7.76% | Dec 14, 2023 | 6.95% | −0.81 |
| Oct 26, 2023 | 7.79% | Dec 7, 2023 | 7.03% | −0.76 |
| Oct 19, 2023 | 7.63% | Nov 30, 2023 | 7.22% | −0.41 |
| Oct 12, 2023 | 7.57% | Nov 22, 2023 | 7.29% | −0.28 |
| Oct 5, 2023 | 7.49% | Nov 16, 2023 | 7.44% | −0.05 |
| Sep 28, 2023 | 7.31% | Nov 9, 2023 | 7.50% | +0.19 |
| Sep 21, 2023 | 7.19% | Nov 2, 2023 | 7.76% | +0.57 |
| Sep 14, 2023 | 7.18% | Oct 26, 2023 | 7.79% | +0.61 |
| Sep 7, 2023 | 7.12% | Oct 19, 2023 | 7.63% | +0.51 |
| Aug 31, 2023 | 7.18% | Oct 12, 2023 | 7.57% | +0.39 |
| Aug 24, 2023 | 7.23% | Oct 5, 2023 | 7.49% | +0.26 |
| Aug 17, 2023 | 7.09% | Sep 28, 2023 | 7.31% | +0.22 |
| Aug 10, 2023 | 6.96% | Sep 21, 2023 | 7.19% | +0.23 |
| Aug 3, 2023 | 6.90% | Sep 14, 2023 | 7.18% | +0.28 |
| Jul 27, 2023 | 6.81% | Sep 7, 2023 | 7.12% | +0.31 |
| Jul 20, 2023 | 6.78% | Aug 31, 2023 | 7.18% | +0.40 |
| Jul 13, 2023 | 6.96% | Aug 24, 2023 | 7.23% | +0.27 |
| Jul 6, 2023 | 6.81% | Aug 17, 2023 | 7.09% | +0.28 |
| Jun 29, 2023 | 6.71% | Aug 10, 2023 | 6.96% | +0.25 |
| Jun 22, 2023 | 6.67% | Aug 3, 2023 | 6.90% | +0.23 |
| Jun 15, 2023 | 6.69% | Jul 27, 2023 | 6.81% | +0.12 |
| Jun 8, 2023 | 6.71% | Jul 20, 2023 | 6.78% | +0.07 |
| Jun 1, 2023 | 6.79% | Jul 13, 2023 | 6.96% | +0.17 |
| May 25, 2023 | 6.57% | Jul 6, 2023 | 6.81% | +0.24 |
| May 18, 2023 | 6.39% | Jun 29, 2023 | 6.71% | +0.32 |
| May 11, 2023 | 6.35% | Jun 22, 2023 | 6.67% | +0.32 |
| May 4, 2023 | 6.39% | Jun 15, 2023 | 6.69% | +0.30 |
| Apr 27, 2023 | 6.43% | Jun 8, 2023 | 6.71% | +0.28 |
| Apr 20, 2023 | 6.39% | Jun 1, 2023 | 6.79% | +0.40 |
| Apr 13, 2023 | 6.27% | May 25, 2023 | 6.57% | +0.30 |
| Apr 6, 2023 | 6.28% | May 18, 2023 | 6.39% | +0.11 |
| Mar 30, 2023 | 6.32% | May 11, 2023 | 6.35% | +0.03 |
| Mar 23, 2023 | 6.42% | May 4, 2023 | 6.39% | −0.03 |
| Mar 16, 2023 | 6.60% | Apr 27, 2023 | 6.43% | −0.17 |
| Mar 9, 2023 | 6.73% | Apr 20, 2023 | 6.39% | −0.34 |
| Mar 2, 2023 | 6.65% | Apr 13, 2023 | 6.27% | −0.38 |
| Feb 23, 2023 | 6.50% | Apr 6, 2023 | 6.28% | −0.22 |
| Feb 16, 2023 | 6.32% | Mar 30, 2023 | 6.32% | 0.00 |
| Feb 9, 2023 | 6.12% | Mar 23, 2023 | 6.42% | +0.30 |
| Feb 2, 2023 | 6.09% | Mar 16, 2023 | 6.60% | +0.51 |
| Jan 26, 2023 | 6.13% | Mar 9, 2023 | 6.73% | +0.60 |
| Jan 19, 2023 | 6.15% | Mar 2, 2023 | 6.65% | +0.50 |
| Jan 12, 2023 | 6.33% | Feb 23, 2023 | 6.50% | +0.17 |
| Jan 5, 2023 | 6.48% | Feb 16, 2023 | 6.32% | −0.16 |
| Dec 29, 2022 | 6.42% | Feb 9, 2023 | 6.12% | −0.30 |
| Dec 22, 2022 | 6.27% | Feb 2, 2023 | 6.09% | −0.18 |
| Dec 15, 2022 | 6.31% | Jan 26, 2023 | 6.13% | −0.18 |
| Dec 8, 2022 | 6.33% | Jan 19, 2023 | 6.15% | −0.18 |
| Dec 1, 2022 | 6.49% | Jan 12, 2023 | 6.33% | −0.16 |
| Nov 23, 2022 | 6.58% | Jan 5, 2023 | 6.48% | −0.10 |
| Nov 17, 2022 | 6.61% | Dec 29, 2022 | 6.42% | −0.19 |
| Nov 10, 2022 | 7.08% | Dec 22, 2022 | 6.27% | −0.81 |
| Nov 3, 2022 | 6.95% | Dec 15, 2022 | 6.31% | −0.64 |
| Oct 27, 2022 | 7.08% | Dec 8, 2022 | 6.33% | −0.75 |
| Oct 20, 2022 | 6.94% | Dec 1, 2022 | 6.49% | −0.45 |
| Oct 13, 2022 | 6.92% | Nov 23, 2022 | 6.58% | −0.34 |
| Oct 6, 2022 | 6.66% | Nov 17, 2022 | 6.61% | −0.05 |
| Sep 29, 2022 | 6.70% | Nov 10, 2022 | 7.08% | +0.38 |
| Sep 22, 2022 | 6.29% | Nov 3, 2022 | 6.95% | +0.66 |
| Sep 15, 2022 | 6.02% | Oct 27, 2022 | 7.08% | +1.06 |
| Sep 8, 2022 | 5.89% | Oct 20, 2022 | 6.94% | +1.05 |
| Sep 1, 2022 | 5.66% | Oct 13, 2022 | 6.92% | +1.26 |
| Aug 25, 2022 | 5.55% | Oct 6, 2022 | 6.66% | +1.11 |
| Aug 18, 2022 | 5.13% | Sep 29, 2022 | 6.70% | +1.57 |
| Aug 11, 2022 | 5.22% | Sep 22, 2022 | 6.29% | +1.07 |
| Aug 4, 2022 | 4.99% | Sep 15, 2022 | 6.02% | +1.03 |
| Jul 28, 2022 | 5.30% | Sep 8, 2022 | 5.89% | +0.59 |
| Jul 21, 2022 | 5.54% | Sep 1, 2022 | 5.66% | +0.12 |
| Jul 14, 2022 | 5.51% | Aug 25, 2022 | 5.55% | +0.04 |
| Jul 7, 2022 | 5.30% | Aug 18, 2022 | 5.13% | −0.17 |
| Jun 30, 2022 | 5.70% | Aug 11, 2022 | 5.22% | −0.48 |
| Jun 23, 2022 | 5.81% | Aug 4, 2022 | 4.99% | −0.82 |
| Jun 16, 2022 | 5.78% | Jul 28, 2022 | 5.30% | −0.48 |
| Jun 9, 2022 | 5.23% | Jul 21, 2022 | 5.54% | +0.31 |
| Jun 2, 2022 | 5.09% | Jul 14, 2022 | 5.51% | +0.42 |
| May 26, 2022 | 5.10% | Jul 7, 2022 | 5.30% | +0.20 |
| May 19, 2022 | 5.25% | Jun 30, 2022 | 5.70% | +0.45 |
| May 12, 2022 | 5.30% | Jun 23, 2022 | 5.81% | +0.51 |
| May 5, 2022 | 5.27% | Jun 16, 2022 | 5.78% | +0.51 |
| Apr 28, 2022 | 5.10% | Jun 9, 2022 | 5.23% | +0.13 |
| Apr 21, 2022 | 5.11% | Jun 2, 2022 | 5.09% | −0.02 |
| Apr 14, 2022 | 5.00% | May 26, 2022 | 5.10% | +0.10 |
| Apr 7, 2022 | 4.72% | May 19, 2022 | 5.25% | +0.53 |
| Mar 31, 2022 | 4.67% | May 12, 2022 | 5.30% | +0.63 |
| Mar 24, 2022 | 4.42% | May 5, 2022 | 5.27% | +0.85 |
| Mar 17, 2022 | 4.16% | Apr 28, 2022 | 5.10% | +0.94 |
| Mar 10, 2022 | 3.85% | Apr 21, 2022 | 5.11% | +1.26 |
| Mar 3, 2022 | 3.76% | Apr 14, 2022 | 5.00% | +1.24 |
| Feb 24, 2022 | 3.89% | Apr 7, 2022 | 4.72% | +0.83 |
| Feb 17, 2022 | 3.92% | Mar 31, 2022 | 4.67% | +0.75 |
| Feb 10, 2022 | 3.69% | Mar 24, 2022 | 4.42% | +0.73 |
| Feb 3, 2022 | 3.55% | Mar 17, 2022 | 4.16% | +0.61 |
| Jan 27, 2022 | 3.55% | Mar 10, 2022 | 3.85% | +0.30 |
| Jan 20, 2022 | 3.56% | Mar 3, 2022 | 3.76% | +0.20 |
| Jan 13, 2022 | 3.45% | Feb 24, 2022 | 3.89% | +0.44 |
| Jan 6, 2022 | 3.22% | Feb 17, 2022 | 3.92% | +0.70 |
Source: Freddie Mac Primary Mortgage Market Survey, via FRED (MORTGAGE30US). Data through Oct 22, 2026; updated monthly, last checked 2026-10-24.
The 30-year fixed-rate average Freddie Mac publishes each week. It is a market average, not a quote, and not a Kinship rate or offer. What a borrower is offered depends on credit, down payment, loan program, property and lender.
A window is the change in the weekly average between one reading and the reading four, six or eight weeks later, in percentage points. Those lengths are shown because many purchases take about that long from contract to closing; yours may take more or less. Each window starts at a different week, so neighboring windows overlap and are not independent of each other.
“Rose” and “fell” mean a change of more than an eighth of a point (0.125). “Unchanged” means within it. “Middle 80%” runs from the 10th to the 90th percentile, using linear interpolation between ranked values.
Freddie Mac publishes on Thursday, and on Wednesday in weeks with a Thursday holiday, so windows count readings, not calendar days. FRED can revise earlier values; each edition records the data as it stood when it was made, and a published edition is never recomputed.
Market context for information only. Not advice, an offer to lend, or a commitment to any rate or terms. Kinship Mortgage · NMLS ID: 2885330.
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