the average 30-year fixed rate today, Wednesday, July 22, 2026, is 6.558%, up 15.6 basis points since yesterday.
According to the Zillow lender marketplace, the average 30-year fixed rate today, Wednesday, July 22, 2026, is 6.558%, up 15.6 basis points since yesterday. The 15-year fixed loan is currently at 5.98%, 11.4 basis points higher/lower than yesterday.
The 5/1 ARM is 6.488%, 8.9 basis points higher than on Tuesday. Weekly survey of mortgage lenders with the lowest rates Today’s mortgage rates Here are the current mortgage rates for Wednesday, July 22, 2026, according to the latest Zillow data: – 30-year fixed: 6.558% – 20-year fixed: 6.356% – 15-year fixed: 5.98% – 5/1 ARM: 6.488% – 7/1 ARM: 6.26% – 30-year VA: 5.99% – 15-year VA: 5.572% – 5/1 VA: 5.83% Remember, these are the national averages and rounded to the nearest hundredth. Today’s mortgage refinance rates These are today’s mortgage refinance rates for Wednesday, July 22, 2026, according to the latest Zillow data: – 30-year fixed: 6.682% – 20-year fixed: 6.797% – 15-year fixed: 5.991% – 5/1 ARM: 6.458% – 7/1 ARM: 6.229% – 30-year VA: 5.91% – 15-year VA: 5.602% – 5/1 VA: 5.713% Again, the numbers provided are national averages rounded to the nearest hundredth.
Mortgage refinance rates are often higher than rates when you buy a house, although that’s not always the case. Learn more: 8 tips for getting the lowest mortgage rates Use our mortgage calculator Use the mortgage calculator below to see how various interest rates and loan amounts will affect your monthly payments. It also shows how the term length plays into things.