30 Year Fixed Rate Mortgage: From 1986 - Present

As the nation's largest publisher of mortgage information, HSH Associates surveys mortgage lenders coast to coast every week. The 30 Year Fixed Rate Mortgage rates shown here include both conforming and jumbo mortgages to give a true picture of the overall mortgage market. HSH markets jumbo-only and conforming-only statistics -- find out how to order.

We also offer average mortgage rates and points for over 100 metro markets; read more about our statistics.

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National Averages By Year For 30 Year Fixed Rate Mortgage

Months 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points Rate Points
Jan - - 9.29 1.93 10.55 1.85 10.85 1.93 9.99 2.12 9.75 2.03 8.54 1.74 8.12 1.51 7.16 1.14 9.32 1.08 7.32 0.96 8.00 0.74 7.13 0.85 6.89 0.65 8.31 0.51 7.29 0.42 7.16 0.27 6.05 0.18 5.89 0.12 5.80 0.11 6.29 0.07 6.33 0.09 6.24 0.08 5.79 0.13 5.48 0.10 5.13 0.15 4.25 0.19
Feb - - 9.15 1.95 10.04 1.89 10.79 1.94 10.27 2.15 9.48 2.01 8.86 1.80 7.79 1.44 7.27 1.14 9.02 1.14 7.33 0.97 7.84 0.73 7.15 0.86 6.92 0.63 8.47 0.50 7.26 0.36 7.01 0.26 5.94 0.17 5.76 0.11 5.72 0.12 6.41 0.09 6.38 0.08 6.41 0.09 5.81 0.17 5.40 0.10 5.07 0.14 4.17 0.19
Mar - - 9.11 1.90 10.02 1.92 11.15 2.00 10.34 2.08 9.62 2.04 9.03 1.81 7.57 1.42 7.78 1.16 8.68 1.05 7.89 0.93 8.06 0.75 7.18 0.85 7.08 0.62 8.37 0.50 7.15 0.34 7.11 0.24 5.87 0.15 5.58 0.10 6.02 0.11 6.48 0.10 6.27 0.08 6.63 0.13 5.65 0.16 5.32 0.10 5.24 0.14 - -
Apr 9.99 2.13 9.95 2.01 10.30 1.94 11.18 1.97 10.44 2.11 9.60 2.01 8.92 1.77 7.55 1.38 8.44 1.19 8.53 1.06 8.16 0.95 8.27 0.75 7.17 0.85 7.00 0.61 8.29 0.46 7.25 0.32 7.06 0.25 5.92 0.13 5.96 0.10 6.03 0.09 6.63 0.10 6.36 0.08 6.54 0.16 5.47 0.15 5.39 0.09 5.14 0.13 - -
May 10.17 2.21 10.66 1.98 10.57 1.97 10.91 1.94 10.54 2.10 9.59 1.94 8.76 1.75 7.55 1.36 8.72 1.17 8.17 1.01 8.31 0.95 8.09 0.72 7.17 0.85 7.21 0.60 8.70 0.49 7.34 0.31 6.89 0.24 5.61 0.13 6.41 0.10 5.87 0.08 6.75 0.09 6.38 0.08 6.57 0.17 5.47 0.13 5.36 0.09 5.07 0.12 - -
Jun 10.68 2.22 10.61 1.93 10.58 1.86 10.34 1.96 10.22 2.06 9.73 1.96 8.59 1.70 7.48 1.34 8.58 1.17 7.82 0.99 8.51 0.93 7.85 0.73 7.07 0.80 7.65 0.61 8.41 0.47 7.32 0.31 6.72 0.22 5.43 0.12 6.42 0.10 5.77 0.08 6.83 0.09 6.74 0.09 6.88 0.14 5.92 0.13 5.21 0.08 4.85 0.13 - -
Jul 10.52 2.13 10.35 1.95 10.54 1.89 10.04 1.97 10.11 2.06 9.69 1.92 8.24 1.66 7.24 1.31 8.77 1.15 7.88 0.95 8.44 0.87 7.66 0.73 7.03 0.78 7.80 0.60 8.28 0.44 7.30 0.30 6.56 0.25 5.79 0.12 6.20 0.10 5.85 0.07 6.89 0.09 6.86 0.09 6.92 0.16 5.71 0.12 5.01 0.07 4.75 0.13 - -
Aug 10.26 2.13 10.41 1.95 10.73 1.94 10.09 2.03 10.18 2.10 9.36 1.85 8.06 1.61 7.11 1.24 8.68 1.15 8.10 1.01 8.25 0.79 7.62 0.87 7.01 0.75 8.08 0.59 8.14 0.46 7.10 0.28 6.41 0.25 6.47 0.13 6.02 0.09 6.00 0.08 6.64 0.08 6.97 0.12 7.01 0.16 5.68 0.10 4.84 0.08 4.75 0.13 - -
Sep 10.07 2.13 10.96 2.01 10.61 1.85 10.25 2.02 10.25 2.11 9.12 1.79 7.99 1.60 6.92 1.17 8.76 1.22 7.86 1.00 8.40 0.81 7.59 0.84 6.83 0.72 7.99 0.57 8.05 0.44 6.95 0.27 6.26 0.20 6.29 0.12 5.88 0.11 5.95 0.08 6.50 0.08 6.83 0.10 6.65 0.13 5.51 0.10 4.74 0.08 4.49 0.13 - -
Oct 10.04 2.10 11.37 2.02 10.41 1.85 10.09 1.98 10.14 2.08 8.94 1.77 8.21 1.59 6.89 1.17 9.07 1.16 7.72 1.00 8.11 0.78 7.44 0.86 6.87 0.71 7.97 0.56 7.92 0.44 6.77 0.27 6.27 0.19 6.11 0.12 5.84 0.11 6.21 0.08 6.47 0.09 6.72 0.09 6.84 0.15 5.40 0.10 4.72 0.07 4.31 0.15 - -
Nov 9.81 1.98 10.81 1.87 10.37 1.89 9.91 1.98 10.07 2.07 8.81 1.74 8.51 1.60 7.24 1.17 9.30 1.12 7.66 0.98 7.82 0.75 7.36 0.85 7.01 0.69 7.84 0.52 7.89 0.43 6.83 0.29 6.21 0.19 6.07 0.11 5.83 0.11 6.45 0.08 6.36 0.08 6.56 0.09 6.69 0.14 5.33 0.08 4.56 0.10 4.36 0.17 - -
Dec 9.45 1.91 10.79 1.92 10.73 1.96 9.87 2.01 9.76 2.02 8.61 1.72 8.37 1.56 7.30 1.15 9.36 1.09 7.47 0.97 7.82 0.77 7.29 0.85 6.89 0.66 8.02 0.52 7.57 0.44 7.27 0.28 6.18 0.18 6.03 0.12 5.83 0.11 6.40 0.08 6.22 0.09 6.53 0.09 6.02 0.13 5.34 0.10 4.78 0.10 4.33 0.17 - -

Rate Trends Since 1986

Mortgage Rates Since 1986 Chart