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Rates

15-Year Fixed Mortgage Rate

The average rate on a 15-year fixed mortgage — a shorter term, a lower rate and a higher monthly payment than the 30-year.

6.09%+0.08%Reading dated 2026-09-10 · Federal Reserve data
Week change
+0.05 pts
Month change
+0.08 pts
Year change
+0.49 pts
12-month range
5.35–6.09%
Where it stands

It is 0.08 percentage points higher than a month ago.

That is 0.49 percentage points above where it stood a year ago.

Today's reading sits at the top of its 12-month range of 5.35% to 6.09%.

Week on week it is up 0.05 percentage points.

What it means in money

At 6.09%, a $400,000 mortgage over 15 years costs about $3,395 a month.

Run your own numbersMortgage refinance break-even calculatorHow many months before a refinance pays back its closing costs.
Common questions
What is the 15-year fixed mortgage rate today?
The 15-year fixed mortgage rate is 6.09%, based on the latest Federal Reserve data.
How often does the 15-year fixed mortgage rate change?
We refresh this figure daily from Federal Reserve Economic Data. The underlying series itself updates daily, weekly or monthly depending on the rate.
Is this the rate I will be offered?
No. This is a national average. The rate you are quoted depends on your credit profile, the loan term, your down payment and the individual lender.
Other rates
30-Year Fixed Mortgage Rate6.76%National Average Savings Account Rate0.38%Bank Prime Loan Rate6.75%Average Credit Card Interest Rate20.94%Federal Funds Rate3.63%10-Year Treasury Yield4.95%

Source: Federal Reserve Economic Data, series MORTGAGE15US. National average, not a personalised quote.