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Mortgage Rates -- 30 Year Fixed Contract Rate and Points
Monthly Averages

Also view the Annual Averages page.
|
Month
|
Rates
|
Points
|
|
January - 1995
|
9.15
|
1.8
|
|
February
|
8.83
|
1.9
|
|
March
|
8.46
|
1.8
|
|
April
|
8.32
|
1.9
|
|
May
|
7.96
|
1.8
|
|
June
|
7.57
|
1.8
|
|
July
|
7.61
|
1.8
|
|
August
|
7.86
|
1.8
|
|
September
|
7.64
|
1.8
|
|
October
|
7.48
|
1.9
|
|
November
|
7.38
|
1.8
|
|
December
|
7.2
|
1.8
|
|
January - 1996
|
7.03
|
1.8
|
|
February
|
7.08
|
1.7
|
|
March
|
7.62
|
1.8
|
|
April
|
7.93
|
1.8
|
|
May
|
8.07
|
1.7
|
|
June
|
8.32
|
1.7
|
|
July
|
8.25
|
1.8
|
|
August
|
8
|
1.7
|
|
September
|
8.23
|
1.7
|
|
October
|
7.92
|
1.7
|
|
November
|
7.62
|
1.8
|
|
December
|
7.6
|
1.7
|
|
January - 1997
|
7.82
|
1.8
|
|
February
|
7.65
|
1.7
|
|
March
|
7.9
|
1.8
|
|
April
|
8.14
|
1.7
|
|
May
|
7.94
|
1.7
|
|
June
|
7.69
|
1.7
|
|
July
|
7.5
|
1.8
|
|
August
|
7.48
|
1.7
|
|
September
|
7.43
|
1.7
|
|
October
|
7.29
|
1.7
|
|
November
|
7.21
|
1.7
|
|
December
|
7.1
|
1.8
|
|
January - 1998
|
6.99
|
1.4
|
|
February
|
7.04
|
1.2
|
|
March
|
7.13
|
1.2
|
|
April
|
7.14
|
1
|
|
May
|
7.14
|
1.1
|
|
June
|
7
|
1
|
|
July
|
6.95
|
1.1
|
|
August
|
6.92
|
1.1
|
|
September
|
6.72
|
1
|
|
October
|
6.71
|
0.9
|
|
November
|
6.87
|
0.9
|
|
December
|
6.74
|
1
|
|
January - 1999
|
6.79
|
0.9
|
|
February
|
6.81
|
1
|
|
March
|
7.04
|
0.9
|
|
April
|
6.92
|
1
|
|
May
|
7.15
|
1
|
|
June
|
7.55
|
1
|
|
July
|
7.63
|
1
|
|
August
|
7.94
|
1
|
|
September
|
7.82
|
1
|
|
October
|
7.85
|
1
|
|
November
|
7.74
|
1
|
|
December
|
7.91
|
1
|
|
January -2000
|
8.21
|
1
|
|
February
|
8.33
|
1
|
|
March
|
8.24
|
1
|
|
April
|
8.15
|
1
|
|
May
|
8.52
|
1
|
|
June
|
8.29
|
0.9
|
|
July
|
8.15
|
0.9
|
|
August
|
8.03
|
1
|
|
September
|
7.91
|
1
|
|
October
|
7.8
|
1
|
|
November
|
7.75
|
0.9
|
|
December
|
7.38
|
1
|
|
January - 2001
|
7.03
|
0.9
|
|
February
|
7.05
|
1
|
|
March
|
6.95
|
0.9
|
|
April
|
7.08
|
0.9
|
|
May
|
7.15
|
1
|
|
June
|
7.16
|
1
|
|
July
|
7.13
|
0.9
|
|
August
|
6.95
|
0.9
|
|
September
|
6.82
|
0.9
|
|
October
|
6.62
|
0.9
|
|
November
|
6.66
|
0.8
|
|
December
|
7.07
|
0.8
|
|
January - 2002
|
7.00
|
0.8
|
|
February
|
6.89
|
0.7
|
|
March
|
7.01
|
0.7
|
|
April
|
6.99
|
0.7
|
|
May
|
6.81
|
0.7
|
|
June
|
6.65
|
0.6
|
|
July
|
6.49
|
0.6
|
|
August
|
6.29
|
0.6
|
|
September
|
6.09
|
0.6
|
|
October
|
6.11
|
0.8
|
|
November
|
6.07
|
0.6
|
|
December
|
6.05
|
0.6
|
|
January - 2003
|
5.92
|
0.6
|
|
February
|
5.84
|
0.6
|
|
March
|
5.75
|
0.6
|
|
April
|
5.81
|
0.6
|
|
May
|
5.48
|
0.6
|
|
June
|
5.23
|
0.6
|
|
July
|
5.63
|
0.5
|
|
August
|
6.26
|
0.7
|
|
September
|
6.15
|
0.6
|
|
October
|
5.95
|
0.6
|
|
November
|
5.93
|
0.6
|
|
December
|
5.88
|
0.7
|
|
January - 2004
|
5.71
|
0.7
|
|
February
|
5.64
|
0.7
|
March
|
5.45
|
0.7
|
April
|
5.83
|
0.7
|
May
|
6.27
|
0.7
|
June
|
6.29
|
0.63
|
Source: Freddie Mac
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