Mortgage rates in the USA are hovering around 7% for a 30-year fixed loan as of 5 November 2026. Here is what the daily trackers and the latest weekly data show.

Today’s rates (5 November 2026)

  • 30-year fixed: about 7.04–7.09% — Zillow 7.04% (down 6 basis points), NerdWallet about 7.09% APR, Mortgage Research Center about 7.085%
  • 15-year fixed: about 6.29%
  • WSJ / Bankrate 30-year: 7.22% on 5 November
  • Money.com 30-year: 6.98% APR, FHA 7.77%

So the 30-year fixed is best read as a range — about 7.0–7.2% — depending on which tracker you look at.

The official weekly number

  • Freddie Mac weekly average: 7.24% on 29 October 2026 (down from 7.32% the week before; 6.17% a year earlier)
  • The new weekly Freddie Mac number for 5 November had not been released at the time of writing — this post will be updated when it is out

The bigger picture

  • MBA 30-year rate: about 7.3% in the week ending 30 October
  • Federal Reserve funds rate: 3.75–4.00% (held on 28 October)
  • Most experts expect mortgage rates to stay near or above 7% through the end of the year

This is general education, not financial advice. Mortgage rates change daily — check a current tracker before applying.

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