mortgage rates are mostly lower today.
According to the Zillow lender marketplace, mortgage rates are mostly lower today. The average 30-year fixed rate today, Thursday, July 30, 2026, is 6.65%, down 4 basis points since yesterday.
The 15-year fixed loan is currently at 6.07%, the same rate as yesterday. The 5/1 ARM is 6.58%, 41 basis points lower than on Wednesday. Weekly survey of mortgage lenders with the lowest rates: Pushing higher Today’s mortgage rates Here are the current purchase mortgage rates, according to our latest Zillow data, for Thursday, July 30, 2026: – 30-year fixed: 6.65% – 20-year fixed: 6.30% – 15-year fixed: 6.07% – 5/1 ARM: 6.58% – 7/1 ARM: 6.21% – 30-year VA: 5.98% – 15-year VA: 5.52% – 5/1 VA: 5.81% Remember, these are the national averages and rounded to the nearest hundredth.
Today’s mortgage refinance rates Here are the current refinance mortgage rates, according to our latest Zillow data, for Thursday, July 30, 2026: – 30-year fixed: 6.65% – 20-year fixed: 6.42% – 15-year fixed: 6.05% – 5/1 ARM: 6.62% – 7/1 ARM: 6.52% – 30-year VA: 6.10% – 15-year VA: 5.70% – 5/1 VA: 5.53% As with mortgage rates for purchase, these are national averages that we’ve rounded to the nearest hundredth. Refinance rates can be higher than purchase mortgage rates, but that isn’t always the case. Monthly mortgage payment calculator Use the mortgage calculator below to see how various mortgage rates will impact your monthly payments.