Housingweekly
30Y Mortgage Rate
30-year fixed mortgage rate, the primary driver of housing affordability.
The 30Y Mortgage Rate is currently 6.37%, last updated .
6.37%
1W -1.39%1M +2.41%3M +4.26%
Updated 13m agoHousing is the most interest-rate-sensitive sector of the economy and often the first to roll over heading into a downturn. Mortgage rates feed directly into affordability and demand, while building permits signal future supply. Home price indexes like Case-Shiller capture the wealth effect that drives consumer confidence and spending.
Updated just now
Recent Data
| Date | Value | Change |
|---|---|---|
| Apr 9, 2026 | 6.37% | -1.39% |
| Apr 2, 2026 | 6.46% | +1.25% |
| Mar 26, 2026 | 6.38% | +2.57% |
| Mar 19, 2026 | 6.22% | +1.80% |
| Mar 12, 2026 | 6.11% | +1.83% |
| Mar 5, 2026 | 6.00% | +0.33% |
| Feb 26, 2026 | 5.98% | -0.50% |
| Feb 19, 2026 | 6.01% | -1.31% |
| Feb 12, 2026 | 6.09% | -0.33% |
| Feb 5, 2026 | 6.11% | — |
Related in Housing
Housing Starts
New privately-owned housing units started, leading indicator of construction activity.
Building Permits
New privately-owned building permits, leading indicator of future housing starts.
New Home Sales
Sales of new single-family houses, sensitive to mortgage rates and consumer confidence.
Case-Shiller Home Price Index
S&P CoreLogic Case-Shiller national home price index.
Explore Further
Forecast 2026
30Y Mortgage Rate Outlook
Scenario-weighted forecast using regime implied approach.
Comparison
30Y Mortgage Rate vs Housing Starts
Mortgage rates are the primary throttle on housing demand. When rates spike, affordability drops, applications fall, and...
Comparison
Case-Shiller Home Prices vs Mortgage Rate
Home prices and mortgage rates together determine housing affordability. When both rise simultaneously, affordability de...
Comparison
Shelter CPI vs 30Y Mortgage Rate
Shelter CPI includes rent and owners' equivalent rent, while mortgage rates drive the cost of home purchases. When shelt...
Comparison
30Y Mortgage Rate vs 10Y Treasury
The 30Y mortgage rate typically sits 150-200bp above the 10Y Treasury. When the spread widens beyond 250bp, mortgage mar...
Comparison
Building Permits vs 30Y Mortgage Rate
Permits lead starts by 1-2 months and are even more forward-looking. Permits falling faster than starts reveals builder ...
Comparison
Homebuilders (XHB) vs 30Y Mortgage Rate
Homebuilders are directly sensitive to mortgage rates because rates drive affordability. XHB typically moves inversely t...
Comparison
30Y Mortgage Rate vs Unemployment Rate
Rising mortgage rates typically precede rising unemployment by 12-18 months via their drag on housing and construction e...
Comparison
30Y Mortgage Rate vs S&P 500
Rising mortgage rates pressure consumer wealth and spending, a drag on SPY earnings. When SPY rallies despite high mortg...
Comparison
New-Home Months Supply vs 30Y Mortgage Rate
When mortgage rates rise, demand falls faster than builders cut starts, pushing months supply higher. When rates fall, d...
Comparison
New Home Sales vs 30Y Mortgage Rate
New-home sales are the purest rate-sensitive housing demand gauge because every buyer finances at current rates (vs exis...
Comparison
30Y Mortgage Rate vs 30Y Treasury Yield
The mortgage-Treasury spread usually runs 1.5-2.0 percentage points. Wider spreads signal MBS-market stress: prepayment ...
Scenario
What Happens When Mortgage Rates Spike?
What happens when 30-year mortgage rates spike? Impact on housing affordability, homebuilders, banks, consumer spending,...
Scenario
What Happens When the 10Y Treasury Yield Exceeds 5%?
10-year Treasury yields above 5% represent extreme tightening of financial conditions. What happens to equities, housing...
Scenario
What Happens When 30Y Mortgage Rates Exceed 8%?
30Y mortgage rates above 8% freeze the housing market. What happens to home sales, builders, and housing affordability a...
Scenario
What Happens When 30-Year Treasury Yields Surge?
What happens when 30-year Treasury yields surge above 5%? Bond market stress, fiscal concerns, and equity multiple compr...
Category
All Housing Data
Housing starts, building permits, home prices, and mortgage rates. Track the housing sector that makes up a fifth of U.S...
Frequently Asked Questions
▶What is 30Y Mortgage Rate?
30-year fixed mortgage rate, the primary driver of housing affordability.
▶How does 30Y Mortgage Rate relate to housing?
30Y Mortgage Rate is part of the Housing category. Housing is the most interest-rate-sensitive sector of the economy and often the first to roll over heading into a downturn. Mortgage rates feed directly into affordability and demand, while building permits signal future supply. Home price indexes like Case-Shiller capture the wealth effect that drives consumer confidence and spending.
▶How often is 30Y Mortgage Rate updated?
30Y Mortgage Rate is updated weekly, typically on the same day each week. Each metric page on Convex shows the exact time of the last data update and provides historical data going back up to five years.
▶Where does Convex source 30Y Mortgage Rate data?
Convex sources 30Y Mortgage Rate data from the Federal Reserve Economic Data (FRED) API, maintained by the Federal Reserve Bank of St. Louis. Data is fetched automatically and displayed alongside interactive charts, AI analysis, and historical context.
▶What can I do on the 30Y Mortgage Rate chart page?
The 30Y Mortgage Rate page includes an interactive chart with selectable time ranges (1 month to 5 years), percentage changes over multiple timeframes, a table of recent readings, AI-generated analysis, and links to related metrics and comparisons.
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Data sourced from FRED, CoinGecko, CBOE, CFTC, and EIA. Updated weekly. This page is for informational purposes only and does not constitute financial advice.