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January 8, 2026

What are today's mortgage interest rates: January 8, 2026?

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What are today's mortgage interest rates: January 8, 2026?

TL;DR

  • Average 30-year mortgage rate is 5.99% as of January 8, 2026.
  • Average 15-year mortgage rate is 5.25% as of January 8, 2026.
  • Average 30-year refinance rate is 6.75% as of January 8, 2026.
  • Average 15-year refinance rate is 5.72% as of January 8, 2026.
  • Mortgage rates have dropped due to Federal Reserve interest rate reductions.
  • Borrowers with good credit may secure rates lower than the averages.
  • Refinancing may be worthwhile if the new rate is at least 0.5% lower than the current one.

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