U.S. Mortgage Rate History Records
Notable records in U.S. 30-year fixed mortgage rate history.
| Record | Year | Rate | Context |
|---|---|---|---|
| Highest Rate Year | 1981 | 18.63% | Fed inflation fight under Volcker |
| Lowest Rate Year | 2021 | 2.65% | COVID-19 economic stimulus |
| Current Average | 2026 | 6.1% | 30-year fixed rate average |
Data from FDIC BankFind. Not financial advice.