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What are today's mortgage interest rates: March 18, 2026?
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TL;DR
- Average 30-year mortgage rate is 6.00%, and 15-year is 5.50% as of March 18, 2026.
- Average refinance rates are 6.44% for 30-year and 5.47% for 15-year terms.
- Mortgage rates are lower than last year but could rise due to the Fed's rate pause.
- Locking in a mortgage rate is recommended to secure current pricing.
- Refinancing requires accounting for closing costs and sufficient time to recoup savings.