Stockybara
U.S. HOUSING FINANCE · WEEKLY OFFICIAL REFERENCE

Mortgage Rates & Payment Calculator

Track U.S. national average fixed mortgage rates, compare mortgage borrowing costs to the 10-year Treasury yield, and estimate principal-and-interest payments. Data: Freddie Mac Primary Mortgage Market Survey (PMMS), distributed through the Federal Reserve Bank of St. Louis FRED service.

Loading dated Freddie Mac survey observations…

30-year fixed mortgage · national weekly average —
Loading previous-week comparison…
Not a lender quote or APR
15-year fixed mortgage · national weekly average —
Loading previous-week comparison…
Not a lender quote or APR

Mortgage Rate Spreads

30-year mortgage minus 15-year mortgage—Basis points · same Freddie Mac survey week
30-year mortgage minus U.S. 10Y Treasury—Treasury comparison pending…

These are reference spreads, not quoted mortgage-backed security spreads, an option-adjusted spread, or a lending profit margin. Mortgage rates reflect borrower credit and other financing factors. The Treasury spread combines different instruments and may use the most recent Treasury close on or before the mortgage survey date.

U.S. Treasury yield curve ↗Macroeconomic dashboard ↗

Historical Mortgage Rates

Interactive long-run historical charts are hosted by FRED, which retains the source's license notices, attribution, zoom and tooltips. Freddie Mac changed PMMS methodology on November 17, 2022; comparisons across that boundary require care.

30-Year Fixed · MORTGAGE30US

Open original 30Y FRED data and graph ↗

15-Year Fixed · MORTGAGE15US

Open original 15Y FRED data and graph ↗
Chart loading depends on FRED and browser third-party content permissions. If an embedded chart does not appear, use its official FRED link directly. Stockybara does not download, alter or rehost the full copyrighted Freddie Mac time series.

Mortgage Monthly Payment Calculator

Compare the monthly principal-and-interest payments for the same loan principal using 30-year and 15-year fixed terms. Survey rates automatically populate after loading; edit the rates to test your own hypothetical offer.

Loan inputs never leave your browser.
30-year loan · monthly principal & interest—Total interest over 360 months: —
15-year loan · monthly principal & interest—Total interest over 180 months: —

Monthly payment difference (15-year minus 30-year): —

Monthly principal and interest only.

Exclusions: property taxes, homeowners insurance, HOA dues, PMI/mortgage insurance, origination fees, closing costs, discount points, prepaid interest, down payment and loan-specific APR. The rate survey reflects conventional conforming home-purchase applications, not refinances or personalized offers. Always compare actual lender Loan Estimates.

Sources & Rate Methodology

Freddie Mac PMMS is a national survey of mortgage rates from applications submitted through Loan Product Advisor. Published weekly, typically Thursday at 12 p.m. ET, using the prior Thursday–Wednesday application period. Mortgage rates depend on credit profile, down payment, loan amount, property, occupancy, lender and points. The survey stopped publishing adjustable-rate mortgage averages and fee/point averages after its 2022 methodology change; older discontinued ARM rates are not labeled current.

The two headline rates are short, dated survey references, attributed to Freddie Mac and linked through FRED. Long-run history remains hosted by FRED's official embeddable charts; it is not a mirrored licensed market-data feed. Publication timing and FRED sync can lag. This page is not a rate-comparison brokerage or a credit offer.

Freddie Mac PMMS methodology & current release ↗ FRED 30Y weekly series ↗ FRED 15Y weekly series ↗ FRED official chart embedding guide ↗