Compare 30-year and 15-year fixed mortgage rates across all 50 states and Washington, D.C. — editorial weekly averages benchmarked to the Freddie Mac PMMS. ✓ Updated July 2026
States are grouped into four colour bands by rate, lowest to highest. Hover or tap a state for its exact editorial average.
Click any column heading to sort. National average: 6.44% (30-yr) / 5.73% (15-yr).
| State ▲ | 30-yr Fixed | 15-yr Fixed | Weekly Change |
|---|---|---|---|
| AL Alabama | 6.44% | 5.73% | -0.03 pts |
| AK Alaska | 6.55% | 5.84% | +0.02 pts |
| AZ Arizona | 6.41% | 5.70% | -0.02 pts |
| AR Arkansas | 6.46% | 5.75% | -0.01 pts |
| CA California | 6.38% | 5.67% | -0.04 pts |
| CO Colorado | 6.39% | 5.68% | -0.02 pts |
| CT Connecticut | 6.47% | 5.76% | +0.01 pts |
| DE Delaware | 6.45% | 5.74% | -0.01 pts |
| DC District of Columbia | 6.40% | 5.69% | -0.03 pts |
| FL Florida | 6.49% | 5.78% | +0.02 pts |
| GA Georgia | 6.45% | 5.74% | -0.01 pts |
| HI Hawaii | 6.58% | 5.87% | +0.03 pts |
| ID Idaho | 6.42% | 5.71% | -0.02 pts |
| IL Illinois | 6.44% | 5.73% | +0.01 pts |
| IN Indiana | 6.43% | 5.72% | -0.02 pts |
| IA Iowa | 6.38% | 5.67% | -0.03 pts |
| KS Kansas | 6.41% | 5.70% | -0.01 pts |
| KY Kentucky | 6.45% | 5.74% | 0.00 pts |
| LA Louisiana | 6.52% | 5.81% | +0.02 pts |
| ME Maine | 6.46% | 5.75% | -0.01 pts |
| MD Maryland | 6.44% | 5.73% | -0.02 pts |
| MA Massachusetts | 6.41% | 5.70% | -0.03 pts |
| MI Michigan | 6.43% | 5.72% | +0.01 pts |
| MN Minnesota | 6.37% | 5.66% | -0.04 pts |
| MS Mississippi | 6.53% | 5.82% | +0.03 pts |
| MO Missouri | 6.42% | 5.71% | -0.01 pts |
| MT Montana | 6.47% | 5.76% | +0.01 pts |
| NE Nebraska | 6.39% | 5.68% | -0.02 pts |
| NV Nevada | 6.48% | 5.77% | +0.02 pts |
| NH New Hampshire | 6.43% | 5.72% | -0.01 pts |
| NJ New Jersey | 6.47% | 5.76% | +0.01 pts |
| NM New Mexico | 6.49% | 5.78% | +0.02 pts |
| NY New York | 6.50% | 5.79% | +0.02 pts |
| NC North Carolina | 6.43% | 5.72% | -0.02 pts |
| ND North Dakota | 6.40% | 5.69% | -0.03 pts |
| OH Ohio | 6.42% | 5.71% | -0.01 pts |
| OK Oklahoma | 6.47% | 5.76% | +0.01 pts |
| OR Oregon | 6.40% | 5.69% | -0.02 pts |
| PA Pennsylvania | 6.44% | 5.73% | -0.01 pts |
| RI Rhode Island | 6.46% | 5.75% | +0.01 pts |
| SC South Carolina | 6.47% | 5.76% | +0.01 pts |
| SD South Dakota | 6.39% | 5.68% | -0.02 pts |
| TN Tennessee | 6.44% | 5.73% | -0.01 pts |
| TX Texas | 6.47% | 5.76% | +0.02 pts |
| UT Utah | 6.41% | 5.70% | -0.02 pts |
| VT Vermont | 6.45% | 5.74% | 0.00 pts |
| VA Virginia | 6.42% | 5.71% | -0.02 pts |
| WA Washington | 6.39% | 5.68% | -0.03 pts |
| WV West Virginia | 6.50% | 5.79% | +0.02 pts |
| WI Wisconsin | 6.38% | 5.67% | -0.03 pts |
| WY Wyoming | 6.46% | 5.75% | +0.01 pts |
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The Freddie Mac PMMS reports a single national average, but the rate an individual borrower is quoted differs from state to state for several structural reasons. Foreclosure law and timelines matter: judicial-foreclosure states (where lenders must go through the courts) carry more risk and cost for lenders, which can nudge rates up. State-level fees, taxes and title/closing costs vary widely and change the total cost of borrowing even when the headline rate looks similar. Local lender competition, average loan size, property values, and the mix of loan types (conventional vs. FHA/VA) all feed into the averages a state posts.
The spreads are usually small — often a fraction of a percentage point between the cheapest and most expensive states — but on a 30-year loan even 0.15% changes the lifetime interest by thousands of dollars. Use the table above to see roughly where your state sits, then run your own numbers with the mortgage calculator or a state-specific mortgage calculator by state for a payment that includes local property tax and insurance.
Underneath the state-level differences, the biggest driver is the national rate environment: the 10-year Treasury yield, the Federal Reserve's policy stance, inflation expectations and mortgage-backed-securities demand. When those move, every state moves with them — which is why the "weekly change" column tends to point the same direction across states in any given week.