According to Freddie Mac’s Primary Mortgage Market Survey, released on July 9, 2026, the 30-year fixed-rate mortgage (FRM) averaged 6.49%. This report demonstrates that the FRM has remained relatively unchanged.
“The 30-year fixed-rate mortgage averaged 6.49% this week,” said Sam Khater, Freddie Mac’s Chief Economist. “Mortgage rates have not changed much recently, but economic growth and housing affordability continue to improve for homebuyers as they shop for homes in today’s market.”
The most recently measured FRM is up from last week, when it averaged 6.43%. In July 2025, around this same time, the 30-year FRM averaged 6.72%. The 15-year FRM averaged 5.82%, up from the previous week when it averaged 5.79%. A year ago at this time, the 15-year FRM averaged 5.86%.
