Mortgage Rates Chart | Historical and Current Rate Trends (2023)

A look at mortgage rates over time

Mortgage rates rose sharply in 2022, surpassing 6% on Sept. 15 for the first time since 2008. Despite recent increases, 30-year mortgage rates are still below their historical average of nearly 8 percent.

Keep in mind that average mortgage rates are just a benchmark. Borrowers with good credit and strong finances often get mortgage rates well below the industry average. So rather than looking only at average rates, it’s worth taking the time to get a personalized estimate and see what you qualify for.

In this article (Skip to...)

  • 30-year rate chart
  • Historical rate chart
  • Average rates since 1972
  • Can rates go lower?
  • Historical perspective
  • What affects your rate
  • Other mortgage costs

Mortgage rates chart for 2022

Mortgage interest rates fell to record lows in 2020 and 2021 during the Covid pandemic. Emergency actions by the Federal Reserve helped to push mortgage rates below 3% and keep them there.

But with inflation surging to four-decade highs, mortgage interest rates rose quickly in 2022. And policy tightening by the Fed could push them higher still. Those who are in a position to lock an interest rate sooner rather than later may be wise to do so.

Current mortgage interest rates chart

Mortgage Rates Chart | Historical and Current Rate Trends (1)

Chart represents weekly averages for a 30-year fixed-rate mortgage. Average for 2022 as of October 6, 2022. Source: Freddie Mac

Historical mortgage rates chart

Despite recent hikes, today’s 30-year mortgage rates are still below average from a historical perspective.

Freddie Mac, the main industry source for mortgage rates, has been keeping records since 1971. Between Apr. 1971 and Oct. 2022, 30-year fixed-rate mortgages averaged 7.76 percent. So even with the 30-year FRM above 6%, today’s rates are still relatively affordable compared to historical mortgage rates.

Historical 30-year mortgage rates chart

Mortgage Rates Chart | Historical and Current Rate Trends (2)

Chart represents weekly averages for a 30-year fixed-rate mortgage. Source: Freddie Mac

Mortgage rate trends over time

For some perspective on today’s mortgage interest rates, here’s how average 30-year rates have changed from year to year over the past five decades.

YearAverage 30-Year RateYearAverage 30-Year RateYearAverage 30-Year Rate

Source: Freddie Mac

(Video) Compare the US Average Historic Mortgage Rate vs Current Mortgage Rates

Will mortgage rates go back down?

Mortgage rates can rise and fall from week to week. But recent spikes have been far larger than any subsequent drops. For example, the 30-year fixed rate dropped from 6.70% to 6.66% on Oct. 6, but that came after six straight weeks of increases that pushed mortgage rates from 5.13% to nearly 7 percent.

Extremely high prices and an overall strong economy have led the Federal Reserve to take aggressive measures against inflation this year, including three historic rate hikes of 75 basis points (0.75%) each in June, July, and September. Although fixed mortgage rates are not controlled by the Fed, they’ve been spurred significantly higher by its actions.

The Fed is likely to keep hiking interest rates, which could lead to further mortgage rate increases. On the other hand, if the Fed’s actions lead to a recession, that could actually tug mortgage interest rates down. So it’s nearly impossible to accurately predict what will happen to mortgage rates in late 2022.

As a borrower, it doesn’t make much sense to try to time your rate in this market. Our best advice is to buy when you’re financially ready and can afford the home you want — regardless of current interest rates.

Remember that you’re not stuck with your mortgage rate forever. If rates drop significantly, homeowners can always refinance later on to cut costs.

Historic mortgage rates: Important years for rates

The long-term average for mortgage rates is just under 8 percent. That’s according to Freddie Mac records going back to 1971. But mortgage rates can move a lot from year to year. And some years have seen much bigger moves than others.

Let’s look at a few examples to show how rates often buck conventional wisdom and move in unexpected ways.

1981: The all-time high for mortgage rates

1981 was the worst year for mortgage interest rates on record.

How bad is bad? The average mortgage rate in 1981 was 16.63 percent.

  • At 16.63% a $200,000 mortgage has a monthly cost for principal and interest of $2,800
  • Compared with the long-time average that’s an extra monthly cost of $1,300 or $15,900 per year

And that’s just the average — some people paid more. For the week of Oct. 9, 1981, mortgage rates averaged 18.63%, the highest weekly rate on record, and almost five times the 2019 annual rate.

2008: The mortgage slump

2008 was the final gasp of the mortgage meltdown. Real estate financing was available in 2008 for 6.03% according to Freddie Mac.

  • The monthly cost for a $200,000 mortgage was about $1,200 per month, not including taxes and insurance

Post 2008, rates declined steadily.

(Video) Mortgage Interest Rate Prediction for 2022: Home Interest Rate Trends

2016: An all-time low for rates

Until recently, 2016 held the lowest annual mortgage rate on record going back to 1971. Freddie Mac says the typical 2016 mortgage was priced at just 3.65 percent.

  • A $200,000 mortgage at 3.65% has a monthly cost for principal and interest of $915
  • That’s $553 a month less than the long-term average

Mortgage rates had dropped lower in 2012, when one week in November averaged 3.31 percent. But some of 2012 was higher, and the entire year averaged out at 3.65% for a 30-year mortgage.

2019: The surprise mortgage rate drop-off

In 2018, many economists predicted that 2019 mortgage rates would top 5.5 percent. That turned out to be wrong. In fact, rates dropped in 2019. The average mortgage rate went from 4.54% in 2018 to 3.94% in 2019.

  • At 3.94% the monthly cost for a $200,000 home loan was $948
  • That’s a savings of $520 a month — or $6,240 a year — when compared with the 8% long–term average

In 2019, it was thought mortgage rates couldn’t go much lower. But 2020 and 2021 proved that thinking wrong again.

2021: The lowest 30-year mortgage rates ever

Rates plummeted in 2020 and 2021 in response to the Coronavirus pandemic. By July 2020, the 30-year fixed rate fell below 3% for the first time. And it kept falling to a new record low of just 2.65% in January 2021.

  • At 2.65% the monthly cost for a $200,000 home loan is $806 a month not counting taxes and insurance
  • You’d save $662 a month, or $7,900 a year, compared to the 8% long-term average

However, record-low rates were largely dependent on accommodating, Covid-era policies from the Federal Reserve. Those measures were never meant to last. And the more U.S. and world economies recover from their Covid slump, the higher interest rates are likely to go.

2022: Mortgage rates spike

Thanks to sharp inflation growth, higher benchmark rates, and a drawback on mortgage stimulus by the Fed, mortgage rates spiked in 2022.

According to Freddie Mac’s records, the average 30-year rate jumped from 3.22% in January to a high of 6.70% at the end of September. That’s an increase of more than 300 basis points (3%) in nine months. Rates could continue to increase throughout the year. Where they’ll plateau, it’s impossible to say.

Factors that affect your mortgage interest rate

For the average homebuyer, tracking mortgage rates helps reveal trends. But not every borrower will benefit equally from today’s low mortgage rates.

Home loans are personalized to the borrower. Your credit score, down payment, loan type, loan term, and loan amount will affect your mortgage or refinance rate.

It’s also possible to negotiate mortgage rates. Discount points can provide a lower interest rate in exchange for paying cash upfront.

Let’s look at some of these factors individually:

(Video) Historic Mortgage Rates and Trends *Real Estate NEWS

Credit score

A credit score above 720 will open more doors for low-interest-rate loans, though some loan programs such as USDA, FHA, and VA loans can be available to sub-600 borrowers.

If possible, give yourself a few months or even a year to improve your credit score before borrowing. You could save thousands of dollars through the life of the loan.

Down payment

Higher down payments can shave your borrowing rate.

Most mortgages, including FHA loans, require at least 3 or 3.5% down. And VA loans and USDA loans are available with zero down payment. But if you can put 10, 15, or even 20% down, you might qualify for a conventional loan with low or no private mortgage insurance and seriously reduce your housing costs.

Loan type

The type of mortgage loan you use will affect your interest rate. However, your loan type hinges on your credit score. So these two factors are very intertwined.

For example, with a credit score of 580 you may qualify only for a government-backed loan such as an FHA mortgage. FHA loans have low interest rates, but come with mortgage insurance no matter how much money you put down.

A credit score of 620 or higher might qualify you for a conventional loan, and — depending on your down payment and other factors — potentially a lower rate.

Adjustable-rate mortgages traditionally offer lower introductory interest rates compared to a 30-year fixed-rate mortgage. However, those rates are subject to change after the initial fixed-rate period. An initially low ARM rate could rise substantially after 5, 7, or 10 years.

Loan term

In this post we’ve tracked rates for 30-year fixed-rate mortgages. But 15-year fixed-rate mortgages tend to have even lower borrowing rates.

With a 15-year mortgage, you’d have a higher monthly payment because of the shorter loan term. But throughout the life of the loan you’d save a lot in interest charges.

If you took out a $300,000 home loan with a 30-year fixed rate of 5.5%, you’d pay around $313,000 in total interest over the life of the loan. The same loan size with a 15-year fixed rate of just 5.0% would cost only $127,000 in interest — saving you around $186,000 in total.

Loan amount

Rates on unusually small mortgages — a $50,000 home loan, for example — tend to be higher than average rates because these loans are less profitable to the lender.

(Video) Housing Market Forecast 2023 - It's Different than What You're Hearing

Rates on a jumbo mortgage are normally higher, too, because lenders have a higher risk of loss. But jumbo loan rates have reversed course and stayed below conforming rates in 2022, creating great deals for jumbo loan borrowers. Currently, a jumbo mortgage is any loan amount over $ in most parts of the U.S.

Discount points

A discount point can lower interest rates by about 0.25% in exchange for upfront cash. A discount point costs 1% of the home loan amount.

For a $200,000 loan, a discount point would cost $2,000 upfront. However, the borrower would recoup the upfront cost over time thanks to the savings earned by a lower interest rate.

Since interest payments play out over time, a buyer who plans to sell the home or refinance within a couple of years should probably skip the discount points and pay a higher interest rate for a while.

Some rate quotes assume the home buyer will buy discount points, so be sure to check before closing on the loan.

Other mortgage costs to keep in mind

Remember that your mortgage rate is not the only number that affects your mortgage payment.

When you’re estimating your home buying budget, you also need to account for:

  • Down payment
  • Closing costs
  • Discount points (optional)
  • Private mortgage insurance (PMI) or FHA mortgage insurance premiums
  • Homeowners insurance
  • Property taxes
  • HOA dues (if buying in a homeowners association)

When you get pre-approved, you’ll receive a document called a Loan Estimate that lists all these numbers clearly for comparison. You can use your Loan Estimates to find the best overall deal on your mortgage — not just the best interest rate.

You can also use a mortgage calculator with taxes, insurance, and HOA dues included to estimate your total mortgage payment and home buying budget.

When to lock your mortgage rate

Keep an eye on daily rate changes. But if you get a good mortgage rate quote today, don’t hesitate to lock it in.

Remember, if you can secure a 30-year mortgage rate below 7%, you’re paying less than most American homeowners throughout history. That’s not a bad deal.

The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.

(Video) HUGE Drop in Mortgage Rates: Housing Market Update


What is the historical highest mortgage rate? ›

What were the highest mortgage rates in history? October 1981 saw 30-year FRM mortgage rates hit their historical peak at 18.45%.

What Will UK interest rates be in 5 years? ›

UK mortgage rates are set to stay close to 5% for the next five years as the era of low interest rates comes to an abrupt end. Home loan rates will rise steadily before peaking in the second half of 2024, according to the latest forecasts for the UK's economy.

What is the lowest mortgage interest rate in history? ›

And it kept falling to a new record low of just 2.65% in January 2021. However, record-low rates were largely dependent on accommodating, Covid-era policies from the Federal Reserve.

Will mortgage rates rise in 2024? ›

"[According to our forecasts] average interest rates on the stock of outstanding mortgages peak at 5% in the second half of 2024, the highest since 2008 and 1.8 percentage points above the peak in our March forecast, before falling back slightly to 4.6% by the forecast horizon.

How high could mortgage rates go in 2023? ›

In a best-case scenario, we may see rates for 30-year mortgages somewhere between 5.5% to 6% by the end of 2023.”

When was the last time mortgage rates were 7%? ›

The last time the average rate was above 7 percent was April 2002, a time when the U.S. was still reeling from the Sept. 11 terrorist attacks, but six years away from the 2008 housing market collapse that triggered the Great Recession.

Is now a good time to fix mortgage for 5 years? ›

There is currently not much difference in two-year and five-year fixed mortgage rates: In November 2022 the average interest rate on a two-year fixed mortgage rate sits at about 6.3% While the average rate on a five-year deal is only a fraction lower at 6.1%

What will mortgage rates be in 2024 UK? ›

The report also says that the average interest rate on outstanding mortgages will peak at 5% in the second half of 2024 and then retreat to 4.6% by the forecast horizon – in this case, between 2027 and 2028.

What will mortgage rates be in 5 years? ›

According to the CBC's article, Typical mortgage payment could be 30% higher in 5 years, Bank of Canada warns "Bank says those who took out a home loan in 2020 or 2021 should brace for higher rates at renewal."

Will mortgage interest rates go down in 2023? ›

Despite uncertainties surrounding the Fed's actions and inflation, most housing experts predict mortgage rates will decline to an average of around 5% to 6% in 2023.

What is the highest mortgage interest rate ever UK? ›

Mortgage Rates in the UK averaged 5.62 percent from 1995 until 2022, reaching an all time high of 8.87 percent in September of 1998 and a record low of 3.59 percent in November of 2021.

What is the lowest mortgage rate ever UK? ›

Mortgage borrowing rates in the UK are now lower than ever before – close to zero, in fact. Responding to the COVID-19 crisis, the Bank of England (BoE) has made two rate cuts in quick succession, first to 0.25 per cent just before the Budget, and now to 0.1 per cent.

How high could mortgage rates go by 2025? ›

Conversation. Are 8% mortgage rates possible by 2025? Most people expect the interest rate on a 30-year fixed-rate loan to increase to 6.7% next year and reach 8.2% by 2025.

What will UK mortgage rates be in 2025? ›

In terms of the UK interest rate forecast for the next five years, the BoE projected the bank rate could reach 5.2% in the fourth quarter of 2023, before falling to 4.7% in 2024 and 4.4%in 2025.

How high will mortgage rates go UK? ›

The average two-year, fixed-rate deal currently sits at 4.09%, the highest it's been in eight years, according to the Guardian. Over the next few months, more increases are predicted. Some experts are suggesting that rates could reach 5% by 2023.

How long will interest rates stay high? ›

However, many industry experts believe within 18 to 24 months rates will be back to a more 'palatable' level. Somewhere like 2.5% to 3.5% for example. We can't expect rates to reduce as low as what we have been seeing in recent years, which in the industry we refer to as 'covid low' rates.

What is the long term forecast for interest rates? ›

We project a year-end 2023 federal-funds rate of 3%, compared with 4% for consensus. Further out, our 2026 and long-run projection for the fed-funds rate and 10-year Treasury yield are 1.75% and 2.75%, respectively.

Are mortgage rates expected to drop? ›

The Mortgage Bankers Association is expecting a recession to hit in 2023, and expects rates to fall to 5.4% by the end of next year.

Will mortgage rates go down in 2025? ›

According to interest-rate predictions from algorithm-based forecasting service Longforecast, the 30-year-mortgage rate in the US, which is strongly linked to the base rate set by the Fed, was projected to hit between 14.02% and 14.88% in January 2025, a big mark-up on current rates of about 6.9%.

Why were mortgage rates so high 80s? ›

As we headed into the 80s, it's important to note that the country was in the middle of a recession, largely caused by the oil crises of 1973 and 1979. The second oil shock caused skyrocketing inflation. The cost of goods and services rose, so fittingly, mortgage rates did too.

Is it better to fix for 2 or 5 years? ›

Are two or five year fixes currently cheaper? On average, homeowners will now pay more when fixing for two years than they will for five years, according to Moneyfacts data. The average two-year deal across all products now costs 5.75 per cent and the average five-year deal costs 5.48 per cent, according to Moneyfacts.

Is it better to fix mortgage for 2 or 3 years? ›

The longer your fixed term, the longer you are locked into a lower interest rate. Although there is no limit to how many times you can remortgage if you opt for a long fixed-term period you may have exit penalties and early redemption fees if you want to repay your mortgage or move.

What does Martin Lewis say about mortgages? ›

Martin Lewis: Warning - fix your mortgage if you want certainty but you could end up paying more than you need to. Planning to fix your mortgage? You might want to wait a little while longer before doing so as you could end up paying more than you need to.

What will mortgage rates be in 2026? ›

Mortgage costs could go up 30%

The bank makes the assumption that in 2025 and 2026, variable rate loans will cost 4.4 per cent in five years, while fixed rate loans will be slightly higher at 4.5 per cent.

Will UK house prices fall in 2023? ›

Our forecasts suggest UK house prices will fall 5 per cent in 2023 and again in 2024 before returning to growth. Various factors will keep a floor under pricing, from the shortage of homes to regulations introduced since the global financial crisis that have kept higher loan-to-value lending at sensible levels.

Will mortgage interest rates go up in 2023 UK? ›

With the BOE base rate at 3% and the market now pricing in 2 year fixed mortgage rates to rise to around 6% by the end of 2023, you should seriously consider fixing your mortgage now if you are worried about how high interest rates might go and whether you can keep up your mortgage repayments.

Will mortgage rates go down in 2024 UK? ›

The average rate on a five-year fixed mortgage rate is forecast to rise by 0.3 per cent this year, rising further to just over one per cent next year, and over two per cent in 2024.

Will mortgage rates go down 2024? ›

Mortgage rates could soon fall

Despite the Federal Reserve's efforts to bring down inflation, it may not dip until mid-2024, according to the latest forecast from the Mortgage Bankers Association (MBA).

Will interest rates go down in 2024? ›

"If our forecast for Fed rate cuts is realized, mortgage rates are likely to fall slightly [in 2024] just as cooling inflation pressures boost real income growth.

How long should you fix a mortgage for? ›

If you decide to go for a fixed rate mortgage, your next decision is how long to fix for. Most people fix for two or five years but these aren't the only options. You can also fix for three, seven, or even 10 years. In general, the longer you fix for, the higher the rate will be.

Is 5% a high interest rate for a house? ›

Right now, good mortgage rates for a 15-year fixed loan generally start in the 5% range, while good rates for a 30-year mortgage generally start in the 6% range. At the time this was written in Nov. 2022, the average 30-year fixed rate was 6.61% according to Freddie Mac's weekly survey.

How long will high interest rates last UK? ›

For now, though, the UK is still facing significant hikes for the remainder of this year. Expectations are that the BoE will raise rates by 1% in November, another 0.75% in December and 0.50% in February. Rates are then expected to remain at around 4.5% until mid-2024.

Is 3.5% a high mortgage rate? ›

In today's climate, 3.5 percent interest on a mortgage is below average. In 2020 and 2021, during the record low rates of the pandemic, 3.5 percent was above average for a new 30-year mortgage.

What is the average 5 year fixed mortgage rate today UK? ›

The rate rises to 5.09% if you're looking to finance up to 75% of your home and 5.20% for a maximum LTV of 80%. The same two providers also offer the best rates on five year fixes. A rate of 4.89% is available if you're looking to finance 60% of your home, rising to 4.94% on a maximum LTV of 75%.

Is 4 percent a good mortgage rate? ›

Right now, an interest rate around 4 percent is considered good, says Tim Milauskas, a loan officer at First Home Mortgage in Millersville, Maryland. When you shop for mortgages, the rates you're offered will be driven mostly by your credit, Milauskas says.

Should I fixed mortgage rate now? ›

A fixed term rate can be advantageous in a few different ways: Peace of mind that you rate is locked in and won't change for a set time. Budget consistency. Locking in when rates are a low can save you money should variable rates go up during the fixed term.

What are the projected interest rates in 2024? ›

After 2022, 10-year Treasury note interest rates are expected to rise steadily to 2.9 percent in the fourth quarter of 2023 and 3.1 percent in 2024.

How high will mortgage rates go by the end of the year? ›

Ratiu and earlier forecasted rates to reach about 5.50% by year end. Similarly in July, Freddie Mac revised its earlier predictions and said the 30-year fixed rate mortgage would average 5% in 2022 and 5.1% in 2023.

Will UK house prices fall as interest rates rise? ›

The impact of rising mortgage rates will begin to hit demand and spending power in coming months, which we believe will lead to a fall of 10% over the next two years for UK prices.”

Can you haggle mortgage rates UK? ›

If the bank you prefer doesn't have the lowest rate, you can negotiate the mortgage rate down. Ask the lender if they can do better on the rate they provided. Or, you can let them know another bank has offered you a lower rate and ask if they can match or beat it.

How much are mortgage interest rates likely to rise? ›

Some property experts forecast that the base rate is likely to rise to 4.5% in 2023 and could reach 6%.

What was the highest ever mortgage rate UK? ›

Mortgage Rate in the United Kingdom averaged 5.60 percent from 1995 until 2022, reaching an all time high of 8.87 percent in September of 1998 and a record low of 3.59 percent in November of 2021.

What's the highest mortgage interest rate UK? ›

  • Generation Home. Rate: 5.70% fixed for 2 years reverting to 6.25% Initial period: 2 years. ...
  • first direct. Rate: 5.54% fixed for 5 years before reverting to 5.04% ...
  • first direct. Rate: 6.24% fixed for two years before reverting to 5.04% ...
  • Coventry BS. Rate: 5.83% Fixed to 30 April 2028 before reverting to 5.39%

What is the historical average 30 year mortgage rate? ›

30 Year Mortgage Rate in the United States averaged 7.76 percent from 1971 until 2022, reaching an all time high of 18.63 percent in October of 1981 and a record low of 2.65 percent in January of 2021.

What is the highest interest rate ever UK? ›

Interest Rate in the United Kingdom averaged 7.14 percent from 1971 until 2022, reaching an all time high of 17.00 percent in November of 1979 and a record low of 0.10 percent in March of 2020.

Will mortgage rates go down in 2023 UK? ›

Mortgage rates go up when interest rates rise. In 2022, the average rate on a five-year fixed mortgage rate has been predicted to increase by 0.3%, with an increase of just over 1% expected in 2023 and 2% in 2024.

Will interest rates go down in 2023 UK? ›

We expect rates to remain at 5.0% through the rest of 2023. The Bank of England (BOE) is now expected to raise its base rate by 50bp in December to 3.5% and then by a further 125bp to a peak of 4.75% by 2Q23.

What will 30-year mortgage rates be at the end of 2022? ›

Mortgage rate predictions for late 2022

The National Association of Home Builders and the National Association of Realtors sit at the low end of the group, estimating the average 30-year fixed interest rate will settle at 5.39% and 6.6% for Q4.

What was the lowest 30-year mortgage rate ever? ›

30-Year Mortgage Rate Reaches Lowest Level Ever: 2.98% - WSJ.

When was the last time mortgage rates were 6? ›

The 30-year fixed-rate mortgage — the most popular home loan product — soared to 6.02 percent this week, nearly double what it was nine months ago, according to data released Thursday by Freddie Mac. It has not been this high since November 2008.

What will interest rates be in 2024 UK? ›

So, we could see rates stabilising at around 3.75% by the end of 2024,” Selfin says. For now, though, the UK is still facing significant hikes for the remainder of this year. Expectations are that the BoE will raise rates by 1% in November, another 0.75% in December and 0.50% in February.

How many years should I fix my mortgage for? ›

If you decide to go for a fixed rate mortgage, your next decision is how long to fix for. Most people fix for two or five years but these aren't the only options. You can also fix for three, seven, or even 10 years. In general, the longer you fix for, the higher the rate will be.

Is it a good time to fix mortgage? ›

In September 2022 more than 40% of mortgage deals were pulled by lenders, many of them within 24 hours of being launched. So if you are contemplating fixing your mortgage rate before a future rate rise, it's prudent to take action now rather than later.


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