Freddie Mac’s weekly survey shows the 30-year fixed mortgage averaged 7.40% as of Oct. 8, 2026, according to Freddie Mac — a key data point for mortgage rates today in the U.S.
Freddie Mac said the 30-year FRM rose from 7.28% the prior week, and the 15-year averaged 6.73% in the same report.
Bankrate’s market page shows a higher national average in its own lender survey, reporting the 30-year national average around 7.53% this week and noting top-offer rates and lender tables updated daily.
Analysts and Bankrate commentary point to rising Treasury yields and strong economic data as drivers behind higher mortgage rates today. Bankrate’s coverage cites the 10-year Treasury moving above 5.3% recently and quotes mortgage-market analysts linking Treasury yields to home loan pricing.
What this means for borrowers: both Freddie Mac and Bankrate recommend shopping multiple lenders. Freddie Mac’s news release quotes Chief Economist Sam Khater advising borrowers to compare offers to potentially save money over a loan’s lifetime.
Mortgage rates today remain elevated compared with a year earlier; Freddie Mac noted the 30-year rate was about 6.30% a year ago, underscoring how much the market has shifted for buyers and refinancers.
For weekday, market-level updates check lender tables and Freddie Mac’s Primary Mortgage Market Survey, which publishes weekly data each Thursday at 12 p.m. ET.
Internal coverage that may help readers: Mortgage rates today in the U.S.: what to know and Mortgage rates today remain elevated, Freddie Mac says.
Sources
- Freddie Mac — weekly Primary Mortgage Market Survey showing the 30‑year FRM averaged 7.40% as of Oct. 8, 2026.
- Bankrate — national lender-survey tables and analysis reporting the 30‑year national average around 7.53% and commentary on drivers for rising rates.
