Daily Rate Tracker
Mortgage Rates Today
September 11, 2026: live Treasury yields, official Freddie Mac survey rates, and today's estimated 30-year fixed rate.
Estimated 30-Year Fixed Today
6.80%
Official 30-Year Fixed
6.76%
10-Year Treasury
4.830%
Rate Snapshot
| Rate / Index | Latest | As Of | Change | Note |
|---|---|---|---|---|
| 30-Year Fixed | 6.76% | September 10, 2026 | +0.05 | Official Freddie Mac survey rate |
| 15-Year Fixed | 6.09% | September 10, 2026 | +0.05 | Official Freddie Mac survey rate |
| 10-Year Treasury | 4.830% | September 9, 2026 | +0.03 | Daily market benchmark |
| 30-Year Treasury | 5.280% | September 9, 2026 | +0.03 | Daily market benchmark |
| 2-Year Treasury | 4.430% | September 9, 2026 | +0.04 | Daily market benchmark |
| Federal Funds Rate | 3.630% | August 1, 2026 | 0.00 | Effective policy rate |
30-Year Fixed Rate Trend
Latest Rate Coverage
- FHA, VA and USDA Mortgage Rates Rise Into September but Stay Below Conventional Loans
Government-backed mortgage rates moved higher entering September, but FHA, VA and USDA loans remain priced below conventional mortgages. Here’s how the latest rates compare — and…
- Fed Rate-Hike Odds Surge After Warsh’s Jackson Hole Speech, Pushing Mortgage Rates Highere
Federal Reserve Chair Kevin Warsh’s Jackson Hole remarks sharply increased expectations for a September rate hike, sending Treasury yields higher and lifting mortgage rates to a t…
- Mortgage Rates Hold Near 6.7% as Warsh Keeps Inflation in Focus
Mortgage rates remain near 6.7% as new Federal Reserve Chair Kevin Warsh emphasizes the need for clearer progress on inflation. With the Fed’s next policy decision approaching, mo…
- Pending Home Sales Drop 2.3% in July as Mortgage Rates Pressure Buyers
U.S. pending home sales fell 2.3% in July to their lowest level since January, as higher mortgage rates and elevated home prices weighed on buyer demand across all four major regi…
- Mortgage Rates Fall to 6.67%, Ending Five-Week Climb
Mortgage rates declined for the first time in six weeks, with the average 30-year fixed rate falling to 6.67%. The modest drop offers buyers some relief, but borrowing costs remai…
- Mortgage Delinquencies Flash an Early Warning as CFPB Updates Borrower Performance Data
Mortgage delinquencies are showing signs of stress among lower-income borrowers and weaker housing markets, but newer data suggest overall mortgage performance remains historicall…
Frequently Asked Questions
What drives mortgage rates day to day?
Mortgage rates follow the 10-year Treasury yield and mortgage-backed securities (MBS) spreads. Inflation data, Federal Reserve policy, jobs reports, and lender capacity all move the spread.
Why is the 'today' rate an estimate?
The official Freddie Mac survey rate is published once a week on Thursdays. To give a daily read, we estimate the current 30-year fixed rate by adding the recent average mortgage-to-Treasury spread to today's 10-year Treasury yield.
Will I get this rate from a lender?
Not necessarily. The published rate is a national average or market benchmark. Your actual rate depends on credit score, loan-to-value, loan purpose, property type, and the lender's pricing.
When are the official mortgage rates updated?
Freddie Mac's Primary Mortgage Market Survey is released Thursday mornings and reflects the average rate for the preceding week.