Current 30-year mortgage rates
As a lender, Zillow Home Loans is here to help you understand 30-year rates to determine whether a 30-year mortgage is the right loan option for you. Get pre-approved to see if you qualify for a 30-year mortgage and get a personalized rate.
What is a 30-year fixed-rate mortgage?
A 30-year fixed-rate mortgage is a home loan where your interest rate is fixed — which means your monthly principal and interest payments will remain constant for the entire 30-year loan. This provides you with stability and predictable long-term housing costs.
Today’s 30-year mortgage rates
Here are some of the 30-Year Fixed mortgage rate options available from Zillow Home Loans. Our 30-Year Fixed rates are updated daily to reflect the most current offers.
As of July 16, 2026, current 30-Year Fixed mortgage rates are 6.625%.
Interest rates change frequently — explore all of our current rates and mortgage options to find your fit.
Interest rates change frequently — explore all of our current rates and mortgage options to find your fit.
Interest rates change frequently — explore all of our current rates and mortgage options to find your fit.
See more loan optionsInterest rates change frequently — explore all of our current rates and mortgage options to find your fit.
Top reasons a 30-year mortgage may be right for you:
Stable monthly payments
Your monthly principal and interest payments won’t change, making budgeting straightforward.
Affordable for many
Spreading your loan over 30 years helps lower monthly costs to make homeownership more accessible.
Long-term security
You’ll have peace of mind knowing your housing costs are stable over a 30-year period.
Ability to refinance
You’ll keep your options open to refinance for potential savings if interest rates drop in the future.
Top reasons a 30-year mortgage may be right for you:
Stable monthly payments
Your monthly principal and interest payments won’t change, making budgeting straightforward.
Affordable for many
Spreading your loan over 30 years helps lower monthly costs to make homeownership more accessible.
Long-term security
You’ll have peace of mind knowing your housing costs are stable over a 30-year period.
Ability to refinance
You’ll keep your options open to refinance for potential savings if interest rates drop in the future.
Learn more about 30-year mortgages
Learn more about 30-year mortgage rates
When it might make sense to buy down your interest rate
What is a 30-year fixed-rate mortgage?
15-year vs. 30-year mortgages
Frequently asked questions
- How do 30-year mortgage rates compare to 15-year mortgage rates?
While rates fluctuate daily, 30-year mortgage rates are historically higher on average than 15-year mortgage rates. For instance, in July 2025, 30-year US average mortgage rates were 6.72%, while 15-year mortgage rates were 5.86%.
- What factors influence the interest rate I'll receive on a 30-year mortgage?
Your 30-year mortgage rate (like any other rate) is influenced by broader market trends, like inflation and job growth, and your financial profile. At Zillow Home Loans, we set your individual rate based on things like your credit history, how much you're putting down, and the value of the home. Since there’s no one-size-fits-all formula, mortgage rates can vary from lender to lender.
Our loan officers are happy to talk you through these factors and explore the best mortgage rate option for your situation.- Can I pay off my 30-year mortgage early?
Yes. Zillow Home Loans does not charge prepayment penalties, so you can pay off your 30-year mortgage early and save on interest.
- Will my monthly mortgage payment always be the same with a fixed 30-year mortgage?
Your principal and interest will remain the same over the span of your fixed 30-year mortgage term, making it much easier to predict your monthly payments. However, your mortgage payment may include property taxes and insurance which may change over time.
- When should I lock in my 30-year mortgage rate?
If you’ve found a 30-year mortgage rate you’re happy with and think it might go up, it may be a good idea to lock it in. Rates can change quickly, sometimes even hourly. Locking in a 30-year rate while it’s low can help you avoid surprises later. A locked rate also means a locked monthly payment, giving you more confidence in what you can afford.
- Why should I consider Zillow Home Loans for my 30-year mortgage?
We offer a range of 30-year mortgage options to fit your situation, and down payments as low as 3%, or even 0% for 30-year VA loans, to help you buy a home sooner. With an A+ BBB rating and thousands of 5-star reviews, we are a trusted mortgage lender and would love to help you explore your options for a 30-year mortgage.
Unlock your personalized rate
The interest rate you’ll receive is unique to your financial situation. Our experts will work to give you our best custom rate and guide you every step of the way home.
