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What are today's mortgage interest rates: March 23, 2026?
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TL;DR
- Average 30-year mortgage rate is 6.37% as of March 23, 2026.
- Average 15-year mortgage rate is 5.87% as of March 23, 2026.
- Both rates are up by more than 25 basis points from February levels.
- Average 30-year refinance rate is 6.90%, and 15-year is 6.04%.
- Shopping around can save borrowers up to 1 percentage point on their mortgage rate.
- Consider refinance rates at least half a percentage point below your current rate.
- Account for closing costs when evaluating refinance options.