What are the 30-year mortgage rates right now?
A clear, quick answer—plus the simplest way to compare offers fairly.
What are the 30-year mortgage rates right now? This question often comes up when people want a quick snapshot of pricing before they compare lenders or estimate a monthly payment.
Answer
Current 30 year mortgage rates vary by lender, borrower profile, and whether you pay discount points, so there is no single national rate that applies to everyone. Lenders update their 30 year fixed rates throughout the day as bond yields move. Sites like mortgageratecalculator.org can show sample 30 year rates and estimated payments, but these assume high credit scores and standard down payments. Your own rate will depend on credit, income, property type, occupancy, and loan size. For an accurate figure, get a Loan Estimate from multiple lenders on the same day and compare the quoted annual percentage rate, total fees, and monthly payment.
Use our rate comparison calculator to see how different 30-year rates change your payment.
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