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Mortgage Rates This Week
Where the average 30-year fixed rate stands this week, how it has moved over the past year and since 2019, and what that means for a monthly payment. Updated every Thursday from Freddie Mac's weekly survey.
Last 12 months
Weekly 30-year fixed average, Nov 13, 2025 to Nov 12, 2026
Since 2019
From the 2.65% record low in January 2021 ($1,007/mo per $250K) to today
Recent weeks
| Week of | 30-year fixed | Change |
|---|---|---|
| Nov 12, 2026 | 7.11% | -0.07 |
| Nov 5, 2026 | 7.18% | -0.06 |
| Oct 29, 2026 | 7.24% | -0.08 |
| Oct 22, 2026 | 7.32% | -0.08 |
| Oct 15, 2026 | 7.40% | 0.00 |
| Oct 8, 2026 | 7.40% | +0.12 |
| Oct 1, 2026 | 7.28% | +0.25 |
| Sep 24, 2026 | 7.03% |
Source: Freddie Mac Primary Mortgage Market Survey, national weekly average for borrowers with strong credit and 20% down. Your rate depends on credit, down payment, loan type and points. Updated every Thursday.
What this means if you are buying in Huntsville
- The national average is a starting point. Freddie Mac's number is for borrowers with strong credit and 20% down. FHA, VA and USDA loans, a smaller down payment, a lower credit score or paying points can all put your rate above or below it.
- Each quarter point matters. On a $250,000 loan, a rate 0.25 points lower saves roughly $40 a month in principal and interest, close to $15,000 over 30 years.
- New construction can beat the average. Builders often pay to buy the rate down. Use the rate buydown calculator to see whether a buydown or a lower price is worth more to you.
- Waiting has a cost too. Rates and prices both move. If you are renting now, the rent vs. buy calculator starts at this week's rate and shows when owning pulls ahead.
Want your real rate, not the average?
Tell us your price range, savings and timeline. We will introduce you to local lenders, including ones who work with down payment assistance and VA loans, and help you compare quotes.
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