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Mortgage Rates Over Time
Mortgage Rates Over Time shows the historical and current 30-year and 15-year mortgage rates. The mortgage rates chart shows the mortgage rates over the last 20 years and more.
Mortgage Rates Chart
Below are many different mortgage rates chart that shows the mortgage rates throught the history. You will find mortgage rates from the 70's and today's mortgage rate, as well as the average mortgage rates in the last 30 years.
Mortgage Rates From 2025 to 2026
Below is the current mortgage rates chart that shows the 15-year and 30-year mortgage rates from 2025 to 2026.
Source: Freddie Mac
Daily Mortgage Rates Chart
Following is the daily mortgage rates chart that shows the 15-year and 30-year mortgage rates for the recent 3 - 4 months and the current mortgage rates.
Source: Freddie Mac
Mortgage Rates Over The Last 20 Years
Below is the 30 year and 15 year mortgage rates chart for the last 20 years, from 2006 to 2026.
The average mortgage rate table below shows the 30 year mortgage rate history all the way back to 1971 and the average 15 year mortgage rate history starting from 1991.
| Year | Average 30-Year Mortgage Rate | Average 15-Year Mortgage Rate |
|---|---|---|
| 2026 | 6.102% | 5.452% |
| 2025 | 6.595% | 5.782% |
| 2024 | 6.721% | 5.962% |
| 2023 | 6.807% | 6.112% |
| 2022 | 5.344% | 4.584% |
| 2021 | 2.958% | 2.272% |
| 2020 | 3.112% | 2.605% |
| 2019 | 3.936% | 3.392% |
| 2018 | 4.545% | 4% |
| 2017 | 3.99% | 3.273% |
| 2016 | 3.654% | 2.931% |
| 2015 | 3.851% | 3.088% |
| 2014 | 4.169% | 3.286% |
| 2013 | 3.976% | 3.101% |
| 2012 | 3.658% | 2.934% |
| 2011 | 4.448% | 3.684% |
| 2010 | 4.69% | 4.096% |
| 2009 | 5.037% | 4.574% |
| 2008 | 6.027% | 5.617% |
| 2007 | 6.337% | 6.025% |
| 2006 | 6.413% | 6.066% |
| 2005 | 5.867% | 5.418% |
| 2004 | 5.839% | 5.206% |
| 2003 | 5.827% | 5.171% |
| 2002 | 6.537% | 5.983% |
| 2001 | 6.968% | 6.502% |
| 2000 | 8.053% | 7.718% |
| 1999 | 7.44% | 7.058% |
| 1998 | 6.943% | 6.586% |
| 1997 | 7.599% | 7.134% |
| 1996 | 7.806% | 7.317% |
| 1995 | 7.935% | 7.482% |
| 1994 | 8.381% | 7.886% |
| 1993 | 7.315% | 6.822% |
| 1992 | 8.39% | 7.945% |
| 1991 | 9.247% | 2.572% |
| 1990 | 10.129% | |
| 1989 | 10.319% | |
| 1988 | 10.342% | |
| 1987 | 10.213% | |
| 1986 | 10.187% | |
| 1985 | 12.43% | |
| 1984 | 13.878% | |
| 1983 | 13.235% | |
| 1982 | 16.044% | |
| 1981 | 16.642% | |
| 1980 | 13.742% | |
| 1979 | 11.204% | |
| 1978 | 9.642% | |
| 1977 | 8.845% | |
| 1976 | 8.866% | |
| 1975 | 9.047% | |
| 1974 | 9.187% | |
| 1973 | 8.045% | |
| 1972 | 7.383% | |
| 1971 | 7.553% |
Source: Freddie Mac
Mortgage Rates Over The Last 30 Years
Below is the 30 year and 15 year mortgage rates chart for the last 30 years, from 1996 to 2026.
Source: Freddie Mac
Mortgage Rates Over The Last 50 Years
Below is the 50 year and 15 year mortgage rates chart for the last 50 years, from 1976 to 2026.
Source: Freddie Mac
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