economy
January 23, 2026
What are today's mortgage interest rates: January 23, 2026?
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TL;DR
- Mortgage interest rates are near 3-year lows, with rates in the 5% range available for qualified borrowers.
- As of January 23, 2026, the average 30-year mortgage rate is 5.99%, and the 15-year rate is 5.50%.
- Refinancing rates are also competitive: 30-year terms are at 6.65% and 15-year terms are at 5.65%.
- Waiting for additional Federal Reserve rate cuts may not be necessary for many buyers and refinancers.
- It is advised to shop around for rates and lenders to find the best fit for your budget.
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