According to the Zillow lender marketplace, today’s average 30-year fixed mortgage rate stands at 6.455%, down 5.9 basis points from yesterday. The 15-year fixed rate currently sits at 6.301%, up 11.4 basis points. Meanwhile, the 5/1 ARM rate decreased 11.3 basis points to 6.223%.
Current Mortgage Purchase Rates (July 24, 2026)
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30-year fixed: 6.455%
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20-year fixed: 6.301%
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15-year fixed: 5.94%
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5/1 ARM: 6.223%
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7/1 ARM: 6.213%
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30-year VA: 6.046%
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15-year VA: 5818.%
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5/1 VA: 5.925%
These rates reflect national averages rounded to the nearest hundredth.
Current Mortgage Refinance Rates (July 24, 2026)
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30-year fixed: 6.621%
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20-year fixed: 6.51%
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15-year fixed: 5.914%
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5/1 ARM: 6.491%
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7/1 ARM: 6.425%
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30-year VA: 5.946%
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15-year VA: 5.682%
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5/1 VA: 5.688%
Refinance rates typically exceed purchase rates but are influenced by market conditions.
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Mortgage Payment Breakdown
81% Principal & interest
$2,189
0% Private mortgage insurance
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Historical context, rate mechanics, and term selection considerations have been removed as promotional or redundant.*
