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January 28, 2026
What are today's mortgage interest rates: January 28, 2026?
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TL;DR
- Average 30-year mortgage rate is 5.99% as of January 28, 2026.
- Average 15-year mortgage rate is 5.37% as of January 28, 2026.
- No immediate Federal Reserve rate cut is expected.
- Mortgage rates declined significantly in 2025.
- Average 30-year refinance rate is 6.88%.
- Average 15-year refinance rate is 5.62%.
- Shopping around for rates is encouraged as better offers may be available.
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