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Mortgage Rates History
30 Years Fixed
 

30 Year Fixed-Rate Mortgages Since 1971

Compiled by Freddie Mac

 

 
2009
 
Rate
Pts
January 5.05 0.7
February 5.13 0.7
March 5.00 0.7
April 4.81 0.7
May
4.86 0.7
June 5.42 0.7
July 5.22 0.7
August 5.06 0.7
September    
October    
November    
December    
Annual Average    




 
2008
2007
2006
2005
2004
2003
 
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
January 5.76 0.4 6.22 0.4 6.15 0.5 5.71 0.7 5.71 0.7 5.92 0.6
February 5.92 0.5 6.29 0.4 6.25 0.6 5.63 0.7 5.64 0.7 5.84 0.6
March 5.97 0.5 6.16 0.4 6.32 0.6 5.93
 0.7
 5.45
 0.7
 5.75 0.6
April 5.92 0.4 6.18 0.5 6.51 0.6 5.86 0.6 5.83 0.7 5.81 0.6
May
6.04 0.5 6.26 0.4 6.60 0.5 5.72 0.6 6.27 0.7 5.48 0.6
June 6.32 0.7 6.66 0.4 6.68 0.5 5.58 0.6 6.29 0.6 5.23 0.6
July 6.43 0.6 6.70 0.4 6.76 0.5 5.70 0.5 6.06 0.6 5.63 0.5
August 6.48 0.7 6.57 0.4 6.52 0.4 5.82 0.5 5.87 0.7 6.26 0.7
September 6.04 0.7 6.38 0.5 6.40 0.5 5.77 0.6 5.75 0.7 6.15 0.6
October 6.20 0.6 6.38 0.5 6.36 0.4 6.07 0.5 5.72 0.7 5.95 0.6
November 6.09 0.7 6.21 0.4 6.24 0.5 6.33 0.6 5.73 0.6 5.93 0.6
December 5.29 0.7 6.10 0.5 6.14 0.4 6.27 0.5 5.75 0.6 5.88 0.7
Annual Average 6.03 0.6 6.34 0.4 6.41 0.5 5.87 0.6 5.84 0.7 5.83 0.6

 


 

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2002
2001
2000
1999
1998
 
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
January 7.00 0.8 7.03 0.9 8.21 1.0
6.79
0.9
6.99
1.4
February 6.89 0.7 7.05 1.0 8.33 1.0
6.81
1.0
7.04
1.2
March 7.01 0.7 6.95 0.9 8.24 1.0
7.04
0.9
7.13
1.2
April 6.99 0.7 7.08 0.9 8.15 1.0
6.92
1.0
7.14
1.0
May 6.81 0.7 7.15 1.0 8.52 1.0
7.15
1.0
7.14
1.1
June 6.65 0.6 7.16 1.0 8.29 0.9
7.55
1.0
7.00
1.0
July 6.49 0.6 7.13 0.9 8.15 0.9
7.63
1.0
6.95
1.1
August 6.29 0.6 6.95 0.9 8.03 1.0
7.94
1.0
6.92
1.1
September 6.09 0.6 6.82 0.9 7.91 1.0
7.82
1.0
6.72
1.0
October 6.11 0.6 6.62 0.9 7.80 1.0 7.85 1.0
6.71
0.9
November 6.07 0.6 6.66 0.8 7.75 0.9 7.74 1.0
6.87
0.9
December 6.05 0.6 7.07 0.8 7.38 1.0 7.91 1.0
6.74
1.0
Annual Average
6.54
0.6
6.97
0.9
8.05
1.0
7.44
1.0
6.94
1.1



 
1997
1996
1995
1994
1993
 
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
January
7.82
1.8
7.03
1.8
9.15
1.8
7.07
1.7
7.99
1.6
February
7.65
1.7
7.08
1.7
8.83
1.9
7.15
1.8
7.68
1.5
March
7.90
1.8
7.62
1.8
8.46
1.8
7.68
1.7
7.50
1.6
April
8.14
1.7
7.93
1.8
8.32
1.9
8.32
1.8
7.46
1.7
May
7.94
1.7
8.07
1.7
7.96
1.8
8.60
1.8
7.47
1.8
June
7.69
1.7
8.32
1.7
7.57
1.8
8.40
1.8
7.42
1.6
July
7.50
1.8
8.25
1.8
7.61
1.8
8.61
1.8
7.21
1.6
August
7.48
1.7
8.00
1.7
7.86
1.8
8.51
1.8
7.11
1.5
September
7.43
1.7
8.23
1.7
7.64
1.8
8.64
1.8
6.91
1.5
October
7.29
1.7
7.92
1.7
7.48
1.9
8.93
1.8
6.83
1.5
November
7.21
1.7
7.62
1.8
7.38
1.8
9.17
1.8
7.16
1.6
December
7.10
1.8
7.60
1.7
7.20
1.8
9.20
1.8
7.17
1.7
Annual Average
7.6
1.7
7.81
1.7
7.93
1.8
8.38
1.8
7.31
1.6

 

 

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1992
1991
1990
1989
1988
 
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
January
8.43
1.8
9.64
2.1
9.90
2.1
10.73
2.1
10.38
2.0
February
8.76
1.8
9.37
2.0
10.20
2.1
10.65
2.2
9.89
2.1
March
8.94
1.9
9.50
2.1
10.27
2.1
11.03
2.2
9.93
2.0
April
8.85
1.7
9.50
2.0
10.37
2.1
11.05
2.2
10.20
2.1
May
8.67
1.7
9.47
2.0
10.48
2.0
10.77
2.1
10.46
2.1
June
8.51
1.7
9.62
2.1
10.16
2.0
10.20
2.1
10.46
2.0
July
8.13
1.6
9.58
2.0
10.04
2.0
9.88
2.1
10.43
2.0
August
7.98
1.7
9.24
1.9
10.10
2.0
9.99
2.1
10.60
2.2
September
7.92
1.7
9.01
1.9
10.18
2.1
10.13
2.0
10.48
2.1
October
8.09
1.8
8.86
1.9
10.17
2.2
9.95
2.0
10.30
1.9
November
8.31
1.9
8.71
1.8
10.01
2.1
9.77
2.0
10.27
2.1
December
8.21
1.6
8.50
1.8
9.67
1.9
9.74
2.0
10.61
2.1
Annual Average
8.39
1.7
9.25
2.0
10.13
2.1
10.32
2.1
10.34
2.1



 
1987
1986
1985
1984
1983
 
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
January
9.20
2.2
10.89
2.3
13.08 2.5 13.37 2.3 13.25 2.2
February
9.08
2.1
10.71
2.3
12.92 2.4 13.23 2.4 13.04 2.0
March
9.04
2.1
10.08
2.3
13.17 2.6 13.39 2.4 12.80 2.2
April
9.83
2.3
9.94
2.2
13.20 2.6 13.65 2.4 12.78 2.1
May
10.60
2.3
10.15
2.3
12.91 2.5 13.94 2.5 12.63 2.1
June
10.54
2.2
10.69
2.3
12.22 2.5 14.42 2.5 12.87 2.1
July
10.28
2.2
10.51
2.2
12.03 2.5 14.67 2.6 13.43 2.2
August
10.33
2.1
10.20
2.1
12.19 2.6 14.47 2.6 13.81 2.2
September
10.89
2.2
10.01
2.2
12.19 2.6 14.35 2.6 13.73 2.2
October
11.26
2.2
9.98
2.1
12.14 2.5 14.13 2.6 13.54 2.1
November
10.65
2.1
9.70
2.0
11.78 2.4 13.64 2.5 13.44 2.1
December
10.64
2.1
9.32
2.1
11.20 2.3 13.18 2.5 13.42 2.2
Annual Average
10.21
2.2
10.19
2.2
12.43
2.5
13.88
2.5 13.24 2.1

 

 

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1982
1981
1980
1979
1978
 
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
January 17.48 2.2 14.90 2.0 12.88 1.6 10.39 1.5 9.01 1.3
February 17.60 2.2 15.13 2.0 13.04 1.6 10.41 1.5 9.14 1.3
March 17.16 2.2 15.40 2.0 15.28 2.0 10.43 1.5 9.20 1.3
April 16.89 2.3 15.58 2.0 16.32 1.9 10.50 1.5 9.35 1.3
May 16.68 2.3 16.40 2.1 14.26 1.9 10.69 1.6 9.57 1.3
June 16.70 2.2 16.70 2.1 12.71 1.8 11.04 1.6 9.71 1.4
July 16.82 2.2 16.83 2.1 12.19 1.8 11.09 1.7 9.74 1.4
August 16.27 2.3 17.28 2.1 12.56 1.7 11.09 1.7 9.78 1.3
September 15.43 2.3 18.16 2.1 13.20 1.7 11.30 1.6 9.76 1.3
October 14.61 2.2 18.45 2.3 13.79 1.7 11.64 1.7 9.86 1.2
November 13.82 2.2 17.82 2.1 14.21 1.7 12.83 1.7 10.11 1.2
December 13.62 2.2 16.95 2.1 14.79 1.7 12.90 1.6 10.35 1.4
Annual Average
16.04
2.2
16.63
2.1
13.74
1.8
11.20
1.6
9.64
1.3



 
1977
1976
1975
1974
1973
 
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
Rate
Pts
January 8.72 1.1 9.02 1.1 9.43 1.2 8.54 1.0 7.44 0.9
February 8.67 1.1 8.81 1.0 9.10 1.2 8.46 1.0 7.44 1.0
March 8.69 1.2 8.76 1.3 8.89 1.1 8.41 1.0 7.46 0.9
April 8.75 1.1 8.73 1.3 8.82 1.0 8.58 1.0 7.54 0.9
May 8.83 1.1 8.76 1.3 8.91 1.1 8.97 1.1 7.65 0.9
June 8.86 1.1 8.85 1.3 8.89 1.0 9.09 1.2 7.73 0.9
July 8.94 1.1 8.93 1.2 8.89 1.1 9.28 1.3 8.05 1.0
August 8.94 1.1 9.00 1.2 8.94 1.1 9.59 1.3 8.50 1.0
September 8.90 1.1 8.98 1.2 9.12 1.1 9.96 1.4 8.82 1.1
October 8.92 1.2 8.92 1.2 9.22 1.1 9.98 1.5 8.77 1.1
November 8.92 1.1 8.81 1.3 9.15 1.1 9.79 1.4 8.58 1.0
December 8.96 1.2 8.79 1.2 9.10 1.1 9.62 1.3 8.54 1.0
Annual Average
8.85
1.1
8.87
1.2
9.05
1.1
9.19
1.2
8.04
1.0


 

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1972
1971
 
Rate
Pts
Rate
Pts
January 7.44 1.0 na na
February 7.32 0.9 na na
March 7.29 0.9 na na
April 7.29 0.9 7.31 na
May 7.37 0.9 7.43 na
June 7.37 0.9 7.53 na
July 7.40 0.9 7.60 na
August 7.40 0.9 7.70 na
September 7.42 1.0 7.69 na
October 7.42 1.0 7.63 na
November 7.43 1.0 7.55 na
December 7.44 1.0 7.48 na
Annual Average
7.38
0.9
na
na

 

 

Mortgage Market Update Apr 09, 2008
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