30 Year Mortgage Interest Rate History

Commitment Rate: 2008 - 2004
  2008 2007 2006 2005 2004
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 5.76 0.4 6.22 0.4 6.15 0.5 5.71 0.7 5.71 0.7
February 5.92 0.5 6.29 0.4 6.25 0.6 5.63 0.7 5.64 0.7
March 5.97 0.5 6.16 0.4 6.32 0.6 5.93 0.7 5.45 0.7
April 5.92 0.4 6.18 0.5 6.51 0.6 5.86 0.6 5.83 0.7
May 6.04 0.5 6.26 0.4 6.60 0.6 5.72 0.6 6.27 0.7
June 6.32 0.7 6.66 0.4 6.68 0.5 5.58 0.6 6.29 0.6
July 6.43 0.6 6.70 0.4 6.76 0.5 5.7 0.5 6.06 0.6
August 6.48 0.7 6.57 0.4 6.52 0.4 5.82 0.5 5.87 0.7
September 6.04 0.7 6.38 0.5 6.40 0.5 5.77 0.6 5.75 0.7
October 6.20 0.6 6.38 0.5 6.36 0.4 6.07 0.5 5.72 0.7
November 6.09 0.7 6.21 0.4 6.24 0.5 6.33 0.6 5.73 0.6
December 5.29 0.7 6.10 0.5 6.14 0.4 6.27 0.5 5.75 0.6
 
Annual Avg. 6.10 0.6 6.34 0.43 6.41 0.5 5.87 0.6 5.84 0.7
Commitment Rate: 2003 - 1997
  2003 2002 2001 2000 1999 1998 1997
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 5.92 0.6 7.00 0.8 7.03 0.9 8.21 1.0 6.79 0.9 6.99 1.4 7.82 1.8
February 5.84 0.6 6.89 0.7 7.05 10. 8.33 1.0 6.81 1.0 7.04 1.2 7.65 1.7
March 5.75 0.6 7.01 0.7 6.95 0.9 8.24 1.0 7.04 0.9 7.13 1.2 7.90 1.8
April 5.81 0.6 6.99 0.7 7.08 0.9 8.15 1.0 6.92 1.0 7.14 1.0 8.14 1.7
May 5.48 0.6 6.81 0.7 7.15 1.0 8.52 1.0 7.15 1.0 7.14 1.1 7.94 1.7
June 5.23 0.6 6.65 0.6 7.16 1.0 8.29 0.9 7.55 1.0 7.00 1.0 7.69 1.7
July 5.63 0.5 6.49 0.6 7.13 0.9 8.15 0.9 7.63 1.0 6.95 1.1 7.50 1.8
August 6.26 0.7 6.29 0.6 6.95 0.9 8.03 1.0 7.94 1.0 6.92 1.1 7.48 1.7
September 6.15 0.6 6.09 0.6 6.82 0.9 7.91 1.0 7.82 1.0 6.72 1.0 7.43 1.7
October 5.95 0.6 6.11 0.6 6.62 0.9 7.80 1.0 7.85 1.0 6.71 0.9 7.29 1.7
November 5.93 0.6 6.07 0.6 6.66 0.8 7.75 0.9 7.74 1.0 6.87 0.9 7.21 1.7
December 5.88 0.7 6.05 0.6 7.07 0.8 7.38 1.0 7.91 1.0 6.74 1.0 7.10 1.8
 
Annual Avg. 5.83 0.6 6.54 0.6 6.97 0.9 8.05 1.0 7.44 1.0 6.94 1.1 7.6 1.7
Commitment Rate: 1996 - 1990
  1996 1995 1994 1993 1992 1991 1990
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 7.03 1.8 9.15 1.8 7.07 1.7 7.99 1.6 8.43 1.8 9.64 2.1 9.90 2.1
February 7.08 1.7 8.83 1.9 7.15 1.8 7.68 1.5 8.76 1.8 9.37 2.0 10.20 2.1
March 7.62 1.8 8.46 1.8 7.68 1.7 7.50 1.6 8.94 1.9 9.50 2.1 10.27 2.1
April 7.93 1.8 8.32 1.9 8.32 1.8 7.46 1.7 8.85 1.7 9.50 2.0 10.37 2.1
May 8.07 1.7 7.96 1.8 8.60 1.8 7.47 1.8 8.67 1.7 9.47 2.0 10.48 2.0
June 8.32 1.7 7.57 1.8 8.40 1.8 7.42 1.6 8.51 1.7 9.62 2.1 10.16 2.0
July 8.25 1.8 7.61 1.8 8.61 1.8 7.21 1.6 8.13 1.6 9.58 2.0 10.04 2.0
August 8.00 1.7 7.86 1.8 8.51 1.8 7.11 1.5 7.98 1.7 9.24 1.9 10.10 2.0
September 8.23 1.7 7.64 1.8 8.64 1.8 6.91 1.5 7.92 1.7 9.01 1.9 10.18 2.1
October 7.92 1.7 7.48 1.9 8.93 1.8 6.83 1.5 8.09 1.8 8.86 1.9 10.17 2.2
November 7.62 1.8 7.38 1.8 9.17 1.8 7.16 1.6 8.31 1.9 8.71 1.8 10.01 2.1
December 7.60 1.7 7.20 1.8 9.20 1.8 7.17 1.7 8.21 1.6 8.50 1.8 9.67 1.9
 
Annual Avg. 7.81 1.7 7.93 1.8 8.38 1.8 7.31 1.6 8.39 1.7 9.25 2.0 10.13 2.1
Commitment Rate: 1989 - 1983
  1989 1988 1987 1986 1985 1984 1983
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 10.73 2.1 10.38 2.0 9.20 2.2 10.89 2.3 13.08 2.5 13.37 2.3 13.25 2.2
February 10.65 2.2 9.89 2.1 9.08 2.1 10.71 2.3 12.92 2.4 13.23 2.4 13.04 2.0
March 11.03 2.2 9.93 2.0 9.04 2.1 10.08 2.3 13.17 2.6 13.39 2.4 12.80 2.2
April 11.05 2.2 10.20 2.1 9.83 2.3 9.94 2.2 13.20 2.6 13.65 2.4 12.78 2.1
May 10.77 2.1 10.46 2.1 10.60 2.3 10.15 2.3 12.91 2.5 13.94 2.5 12.63 2.1
June 10.20 2.1 10.46 2.0 10.54 2.2 10.69 2.3 12.22 2.5 14.42 2.5 12.87 2.1
July 9.88 2.1 10.43 2.0 10.28 2.2 10.51 2.2 12.03 2.5 14.67 2.6 13.43 2.2
August 9.99 2.1 10.60 2.2 10.33 2.1 10.20 2.1 12.19 2.6 14.47 2.6 13.81 2.2
September 10.13 2.0 10.48 2.1 10.89 2.2 10.01 2.2 12.19 2.6 14.35 2.6 13.73 2.2
October 9.95 2.0 10.30 1.9 11.26 2.2 9.98 2.1 12.14 2.5 14.13 2.6 13.54 2.1
November 9.77 2.0 10.27 2.1 10.65 2.1 9.70 2.0 11.78 2.4 13.64 2.5 13.44 2.1
December 9.74 2.0 10.61 2.1 10.64 2.1 9.32 2.1 11.20 2.3 13.18 2.5 13.42 2.2
 
Annual Avg. 10.32 2.1 10.34 2.1 10.21 2.2 10.19 2.2 12.43 2.5 13.88 2.5 13.24 2.1
Commitment Rate: 1982 - 1976
  1982 1981 1980 1979 1978 1977 1976
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 17.48 2.2 14.90 2.0 12.88 1.6 10.39 1.5 9.01 1.3 8.72 1.1 9.02 1.1
February 17.60 2.2 15.13 2.0 13.04 1.6 10.41 1.5 9.14 1.3 8.67 1.1 8.81 1.0
March 17.16 2.2 15.40 2.0 15.28 2.0 10.43 1.5 9.20 1.3 8.69 1.2 8.76 1.3
April 16.89 2.3 15.58 2.0 16.32 1.9 10.50 1.5 9.35 1.3 8.75 1.1 8.73 1.3
May 16.68 2.3 16.40 2.1 14.26 1.9 10.69 1.6 9.57 1.3 8.83 1.1 8.76 1.3
June 16.70 2.2 16.70 2.1 12.71 1.8 11.04 1.6 9.71 1.4 8.86 1.1 8.85 1.3
July 16.82 2.2 16.83 2.1 12.19 1.8 11.09 1.7 9.74 1.4 8.94 1.1 8.93 1.2
August 16.27 2.3 17.28 2.1 12.56 1.7 11.09 1.7 9.78 1.3 8.94 1.1 9.90 1.2
September 15.43 2.3 18.16 2.1 13.20 1.7 11.30 1.6 9.76 1.3 8.90 1.1 8.98 1.2
October 14.61 2.2 18.45 2.3 13.79 1.7 11.64 1.7 9.86 1.2 8.92 1.2 8.92 1.2
November 13.82 2.2 17.82 2.1 14.21 1.7 12.83 1.7 10.11 1.2 8.92 1.1 8.81 1.3
December 13.62 2.2 16.95 2.1 14.79 1.7 12.90 1.6 10.35 1.4 8.96 1.2 8.79 1.2
 
Annual Avg. 16.04 2.2 16.63 2.1 13.74 1.8 11.20 1.6 9.64 1.3 8.85 1.1 8.87 1.2
Commitment Rate: 1975 -1971
  1975 1974 1973 1972 1971
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January

9.43

1.2 8.54 1.0 7.44 0.9 7.44 1.0 N/A N/A
February 9.10 1.2 8.46 1.0 7.44 1.0 7.32 0.9 N/A N/A
March 8.89 1.1 8.41 1.0 7.46 0.9 7.29 0.9 N/A N/A
April 8.82 1.0 8.58 1.0 7.54 0.9 7.29 0.9 7.31 N/A
May 8.91 1.1 8.97 1.1 7.65 0.9 7.37 0.9 7.43 N/A
June 8.89 1.0 9.09 1.2 7.73 0.9 7.37 0.9 7.53 N/A
July 8.89 1.1 9.28 1.3 8.05 1.0 7.40 0.9 7.60 N/A
August 8.94 1.1 9.59 1.3 8.50 1.0 7.40 0.9 7.70 N/A
September 9.12 1.1 9.96 1.4 8.82 1.1 7.42 1.0 7.69 N/A
October 9.22 1.1 9.98 1.5 8.77 1.1 7.42 1.0 7.63 N/A
November 9.15 1.1 9.79 1.4 8.58 1.0 7.43 1.0 7.55 N/A
December 9.10 1.1 9.62 1.3 8.54 1.0 7.44 1.0 7.48 N/A
 
Annual Avg. 9.05 1.1 9.19 1.2 8.04 1.0 7.38 0.9 N/A N/A

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