30 Year Fixed Mortgage Rates

Find and compare the best 30-year fixed mortgage rates for you in your area.

30 Year Fixed Mortgage Rates

Find and compare the best 30-year fixed mortgage rates for you in your area.

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Mortgage rate trends (APR)

  • 30 year fixed
  • 15 year fixed
  • 5/1 ARM
NerdWallet's mortgage rate insight
4.34%
30 year fixed
Mortgage rates today for 30- and 15-year fixed loans ticked higher, while 5/1 ARMs slipped a notch, according to a NerdWallet survey of current mortgage rates published by national lenders Friday morning.
See full article

Current mortgage rates (APR)

Loan typeAverage
rate
Change
1 day
Change
1 year
30 year fixed4.34%
0.01%
0.53%
15 year fixed3.68%
0.01%
0.6%
5/1 ARM3.86%
0.01%
0.86%
Data source: NerdWallet Mortgage Rate Index

30-Year Fixed Mortgage Rates

Looking for a long-term mortgage with an unchanging rate for the life of the loan? NerdWallet’s mortgage rate tool can help you find competitive 30-year fixed mortgage rates for your home purchase. Just enter some information about the type of loan you’re looking for (without dishing on personal details), and you’ll get a customized rate quote in minutes. From there, you can start the process to get preapproved for your home loan and be on your way to making offers. It’s that easy.

What is a 30-year fixed-rate mortgage?

A 30-year fixed-rate mortgage is a home loan that maintains the same interest rate and monthly payment over the life of the loan. If you plan to stay in the same house for several years and want the peace of mind provided by an unchanging monthly mortgage payment, a 30-year, fixed-rate mortgage is a good option.

When should you consider a 30-year fixed-rate mortgage?

With a 30-year fixed-rate mortgage, you’ll pay the same amount every month no matter what happens to interest rates or inflation. You’ll likely get a sizable tax deduction for the interest you pay, especially in the early years of the loan, when most of your payments go toward interest. However, if you don’t plan to stay put for several years, or if you want a lower rate, a 15-year mortgage or an adjustable rate mortgage may be a better home loan for you.

Learn more about fixed-rate loans:

Mortgage rate quotes displayed on NerdWallet are provided by LendingTree LoanExplorer℠, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.