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January 9, 2026

What are today's mortgage interest rates: January 9, 2026?

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What are today's mortgage interest rates: January 9, 2026?

TL;DR

  • The average mortgage interest rate for a 30-year term is 5.87% as of January 9, 2026.
  • The average rate for a 15-year term has decreased to 5.25%.
  • Refinance rates are 6.49% for a 30-year mortgage and 5.56% for a 15-year mortgage.
  • The decline in rates is attributed to Federal Reserve interest rate cuts.
  • Homebuyers and those looking to refinance may find these rates advantageous.
  • Homeowners considering refinancing should evaluate closing costs against potential savings.

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