30-year fixed mortgage rates
Find and compare the best 30-year fixed mortgage rates from lenders in your area.
NerdWallet reviewed lenders:
Based on your ZIP code, credit score, loan amount, and other criteria.
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About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Mortgage rate trends (APR)
NerdWallet's mortgage rate insight
The average rate on a 30-year fixed-rate mortgage dropped one basis point, the rate for the 15-year fixed fell one basis point and the rate for the 5/1 ARM was unchanged, according to a NerdWallet survey of daily mortgage rates published Friday by national lenders. A basis point is one one-hundredth of one percent. The average rate on the 30-year fixed is one basis point lower than a week ago.
Mortgage rates today (APR)
| Loan type | Average rate | Change 1 day | Change 1 year |
|---|---|---|---|
| 30-year fixed | 4.69% | 0.01% | 0.68% |
| 15-year fixed | 4.23% | 0.01% | 0.78% |
| 5/1 ARM | 4.87% | 0.0% | 0.98% |
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 30-year loan period. The 30-year fixed-rate mortgage is the most common type of mortgage because it provides the security of a fixed payment and the flexibility to afford a larger mortgage loan.
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.
