Average 30-year fixed mortgage rates climb 12 basis points to 6.46%, with adjustable-rate loans also moving higher.
Average US mortgage rates increased on May 26, 2026, with the 30-year fixed rate rising 12 basis points to 6.46%. The 15-year fixed rate edged up 1 basis point to 5.91%, while the 5/1 adjustable-rate mortgage jumped 39 basis points to 6.68%.
Refinance rates followed a similar trend, with the 30-year fixed refinance rate at 6.45% and the 15-year fixed refinance rate at 5.93%. Adjustable refinance rates also saw gains, including a 6.30% rate for the 5/1 ARM. These figures reflect national averages and are rounded to the nearest hundredth.
The moves reverse recent stability in mortgage rates, which had shown modest fluctuations in prior sessions. Higher rates could impact affordability for homebuyers and refinancing activity in the near term.