economy
January 26, 2026
What are today's mortgage interest rates: January 26, 2026?
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
TL;DR
- Mortgage interest rates are considerably lower than in early 2025.
- Factors influencing rates include inflation, unemployment, the 10-year Treasury yield, and Federal Reserve policy.
- The Federal Reserve cut rates three times in late 2025, leading to declining mortgage rates.
- As of January 26, 2026, the average 30-year mortgage purchase rate is 5.99%.
- The average 15-year mortgage purchase rate is 5.37%.
- The average 30-year mortgage refinance rate is 6.59%.
- The average 15-year mortgage refinance rate is 5.62%.
- Shopping around for lenders and having a good credit score can lead to better offers.
- Adjustable-rate mortgages and mortgage points may offer further opportunities to lower rates.
Continue reading the original article