FHA mortgage rates

Find and compare the best FHA mortgage rates from lenders in your area.

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Mortgage rate trends (APR)

NerdWallet's mortgage rate insight
4.8%
30-year fixed

The average rate on a 30-year fixed-rate mortgage fell three basis points, the rate for the 15-year fixed dropped three basis points and the rate for the 5/1 ARM went up one basis point, according to a NerdWallet survey of daily mortgage rates published Wednesday by national lenders. A basis point is one one-hundredth of one percent. The average rate on the 30-year fixed is four basis points lower than a week ago.

Mortgage rates today (APR)

Loan typeAverage
rate
Change
1 day
Change
1 year
30-year fixed4.8%
0.03%
0.0%
15-year fixed4.33%
0.03%
0.0%
5/1 ARM4.83%
0.01%
0.0%
Data source: NerdWallet Mortgage Rate Index

FHA Mortgage Rates

NerdWallet’s mortgage rate tool can help you find competitive FHA mortgage rates tailored to meet your needs. Just enter some information about the type of loan you’re looking for and you’ll get a customized rate quote in minutes, without providing any personal information. From there, you can start the process of getting your home loan and be on your way to making offers. It’s that easy.

What is an FHA loan?

An FHA loan is a mortgage the Federal Housing Administration insures. FHA loans require a smaller a down payment and lower closing costs and allow relaxed lending standards to help homeowners who don’t qualify for a conventional mortgage.

When should you consider an FHA loan?

An FHA loan is the go-to mortgage for many Americans, especially first-time homebuyers and those who have a credit history that’s weak or damaged. If your credit score is ‘good’ or ‘fair’ rather than ‘excellent’, if you’ve had financial difficulties in the past or if you just haven’t had time to build a strong history of on-time payments, an FHA loan could be the answer to your mortgage needs. FHA loans are designed for people like you: With FHA backing, which protects the lender in case you default on your mortgage, lenders can broaden their credit standards. If you qualify, you can get a mortgage with as little as 3.5% down.

FHA loans do have up-front and ongoing additional costs built in: You’ll have to pay mortgage insurance. This protects the lender’s stake in the loan if you default and the premiums increase your monthly payments.

Learn more about FHA loans: