U.S. Mortgage Rate Forecast
Conventional Mortgage Rates Forecast Values
30 Year Conventional Mortgage. Percent Per Year, Average of Month.
| Month | Date | Forecast Value | Avg Error |
|---|---|---|---|
| 0 | Dec 2025 | 6.19 | ±0.00 |
| 1 | Jan 2026 | 6.26 | ±0.073 |
| 2 | Feb 2026 | 6.20 | ±0.096 |
| 3 | Mar 2026 | 6.28 | ±0.11 |
| 4 | Apr 2026 | 6.21 | ±0.12 |
| 5 | May 2026 | 6.12 | ±0.13 |
| 6 | Jun 2026 | 6.11 | ±0.13 |
| 7 | Jul 2026 | 5.97 | ±0.14 |
| 8 | Aug 2026 | 5.83 | ±0.14 |
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Chart of Mortgage Interest Rates
Home Loan Interest Rates for 30 Year Conventional Loan, Percent Per Year. Includes Forecast
Other Home Loan Resources:
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| January 15, 2026 | |
| Indicator | Rate, % |
|---|---|
| Prime Rate | 7.00 |
| 30 Year Treasury Bond | 4.79 |
| 10 Year Treasury Note | 4.17 |
| 91 Day Treasury Bill | 3.68 |
| Fed Funds | 3.64 |
| SOFR | 3.64 |
| 30 Year Mortgage Rate | 6.06 |