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We keep hearing that mortgage rates are the lowest in recorded history and it is true. Presently, the 30-year fixed rate on Zillow Mortgage Marketplace is 3.88 percent, the 15-year fixed is 3.35 percent and the 5/1 ARM is 2.81 percent.

Take a look at the history of the average 30-year fixed mortgage rate each year since 1972, when Freddie Mac started keeping track:

1972 – 7.38
1973 – 8.04
1974 – 9.19
1975 – 9.05
1976 – 8.87
1977 – 8.85
1978 – 9.64
1979 – 11.20
1980 – 13.74
1981 – 16.63
1982 – 16.04
1983 – 13.24
1984 – 13.88
1985 – 12.43
1986 – 10.19
1987 – 10.21
1988 – 10.34
1989 – 10.32
1990 – 10.13
1991 – 9.25
1992 – 8.39
1993 – 7.31
1994 – 8.38
1995 – 7.93
1996 – 7.81
1997 – 7.6
1998 – 6.94
1999 – 7.44
2000 – 8.05
2001 – 6.97
2002 – 6.54
2003 – 5.83
2004 – 5.84
2005 – 5.87
2006 – 6.41
2007 – 6.34
2008 – 6.03
2009 – 5.04
2010 – 4.69
2011 – 4.45
2012 – 3.66

> See mortgage rates on Zillow Mortgage Marketplace

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