economy
January 20, 2026
What are today's mortgage interest rates: January 20, 2026?
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TL;DR
- Average 30-year mortgage rate is 5.99% as of January 20, 2026.
- Average 15-year mortgage rate is 5.37% as of January 20, 2026.
- These rates are considerably lower than in January 2025, when the 30-year rate was over 7%.
- Average 30-year refinance rate is 6.50%.
- Average 15-year refinance rate is 5.79%.
- Homeowners considering refinancing should account for closing costs and their long-term ownership plans to ensure the move makes financial sense.
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