Freddie Mac: US 30-year fixed mortgage rate rises to 6.55% in latest survey

Freddie Mac’s weekly survey showed the 30-year fixed-rate mortgage averaged 6.55% as of July 16, 2026, up from 6.49%.

The 15-year fixed-rate mortgage averaged 5.93%, rising from 5.82% a week earlier.

The 30-year rate stood at 6.75% a year earlier; the 15-year rate was 5.92%.

Chief Economist Sam Khater flagged weaker purchase-application demand, citing improving affordability and rising inventory as modestly supportive for buyers.