The 30-year mortgage rate stands at 6.33% and the 15-year rate at 5.72%, according to current interest rates today from major lenders, with the 15-year rate declining as borrowers weigh their home-buying options in the mid-6% environment.
The 30-year fixed rate rose 4 basis points from the prior day, while the 15-year fixed rate fell 11 basis points, according to data from the Zillow mortgage marketplace tracked by Yahoo Finance on June 5, 2026. These swings reflect the volatility in mortgage markets as investors react to economic signals.
The rates today remain in the range where most borrowers have been shopping this year. A 30-year mortgage locks your rate for the full loan term, making it predictable for long-term budgeting, while a 15-year mortgage typically carries a lower rate but requires higher monthly payments due to the compressed repayment schedule. The choice between the two depends on your financial situation and how long you plan to stay in the home.
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Sources
- Yahoo Finance — Current mortgage rates for June 5, 2026, including 30-year at 6.33% and 15-year at 5.72%, daily changes in basis points
- Zillow Mortgage Marketplace — National average mortgage rate data provided via the Zillow lender marketplace API
