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January 31, 2026

What are today's mortgage interest rates: January 30, 2026?

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What are today's mortgage interest rates: January 30, 2026?

TL;DR

  • The Federal Reserve has kept its benchmark interest rate frozen.
  • Mortgage interest rates are considerably lower than one year ago and remain at or below multi-year lows.
  • Multiple options to secure a rate under 6% are available for buying or refinancing.
  • The average mortgage interest rate for a 30-year term is 5.99% as of January 30, 2026.
  • The average mortgage purchase rate for a 15-year term is 5.37%.
  • The average mortgage refinance interest rate for a 30-year term is 6.49%.
  • The median refinance rate for a 15-year term is 5.48%.
  • Shopping around online or by contacting lenders directly may yield even lower rates than the stated averages.

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