💰🏡 Mortgage Rates Remain the Lowest in Three Years | Jan. 22,2026
With the economy improving and the average 30-year fixed-rate mortgage nearly a percentage point lower than last year, more homebuyers are entering the market. Buyers always should shop around for the best rate, as multiple quotes can potentially save them thousands.
The 30-year fixed-rate mortgage averaged 6.09% as of January 22, 2026, up from last week when it averaged 6.06%. A year ago at this time, the 30-year FRM averaged 6.96%.
The 15-year fixed-rate mortgage averaged 5.44%, up from last week when it averaged 5.38%. A year ago at this time, the 15-year FRM averaged 6.16%.
☎#callniecie to find out how the no change in rates can affect your home search
