United States Mortgage Rates: Historical and Current Averages
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Quarterly average mortgage interest rates
| Q1 | Q2 | Q3 | Q4 | |
| 2026 | 6.11% | 6.42% | ||
| 2025 | 6.82% | 6.79% | 6.55% | 6.23% |
| 2024 | 6.75% | 6.99% | 6.51% | 6.65% |
| 2023 | 6.36% | 6.49% | 7.04% | 7.29% |
| 2022 | 3.79% | 5.24% | 5.58% | 6.69% |
| 2021 | 2.88% | 3.00% | 2.87% | 3.08% |
| 2020 | 3.51% | 3.23% | 2.95% | 2.76% |
| 2019 | 4.37% | 4.00% | 3.67% | 3.70% |
| 2018 | 4.27% | 4.54% | 4.57% | 4.78% |
| 2017 | 4.17% | 3.99% | 3.89% | 3.92% |
| 2016 | 3.74% | 3.59% | 3.45% | 3.81% |
| 2015 | 3.72% | 3.83% | 3.95% | 3.90% |
| 2014 | 4.36% | 4.23% | 4.14% | 3.97% |
| 2013 | 3.50% | 3.69% | 4.44% | 4.30% |
| 2012 | 3.92% | 3.80% | 3.55% | 3.36% |
| 2011 | 4.85% | 4.66% | 4.31% | 4.01% |
| 2010 | 5.00% | 4.91% | 4.45% | 4.41% |
| 2009 | 5.06% | 5.03% | 5.16% | 4.92% |
| 2008 | 5.88% | 6.09% | 6.32% | 5.86% |
| 2007 | 6.22% | 6.37% | 6.55% | 6.23% |
| 2006 | 6.24% | 6.60% | 6.56% | 6.25% |
| 2005 | 5.76% | 5.72% | 5.76% | 6.22% |
| 2004 | 5.60% | 6.13% | 5.89% | 5.73% |
| 2003 | 5.84% | 5.51% | 6.01% | 5.92% |
| 2002 | 6.97% | 6.82% | 6.29% | 6.08% |
| 2001 | 7.01% | 7.13% | 6.97% | 6.78% |
| 2000 | 8.26% | 8.32% | 8.03% | 7.64% |
This table shows the average mortgage interest rates during a single quarter.
