The US 30-year fixed-rate mortgage averaged 7.4% as of October 15th, 2026, remaining above 7% and at its highest level since November 2023 and remaning unchanged from the previous week. This marks the eighth consecutive week without a decline. A year ago, the the 30-year fixed-rate mortgage averaged 6.27%. Meanwhile, the 15-year fixed-rate mortgage averaged 6.71%, down from an over two year high of 6.73% reached last week.