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30-Year Mortgage Rate Continues to Drop

Published February 27, 2026

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, February 26. The survey showed the 30-year mortgage rate dipping below 6% for the first time since 2022.

This week, the 30-year fixed rate mortgage averaged 5.98%, down from last week’s average of 6.01%. Last year at this time, the 30-year fixed rate mortgage averaged 6.76%.

The 15-year fixed rate mortgage averaged 5.44% this week, up from last week’s 5.35%. During the same week last year, the 15-year fixed rate mortgage averaged 5.94%.

“For the first time in three and a half years, the 30-year fixed-rate mortgage dropped into the 5% range, falling even lower than last week's milestone,” said chief economist at Freddie Mac, Sam Khater. “This rate, combined with the improving availability of homes for sale, is meaningful and will drive more potential buyers into the market for spring homebuying season.”

Based on published national averages, the savings rate was 0.39% as of 2/17. The one-year CD averaged 1.55%.

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.