Listen to this article 12 min listenFinance Mortgage Rates Today: What the 30-Year Fixed Costs on a $400,000 Loan, and What Moves It0:00 / 11:48 Rates as of Oct. 22, 2026, from Freddie Mac’s weekly Primary Mortgage Market Survey. We update this page after each Thursday release. The 30-year mortgage rate averaged 7.32% in Freddie Mac’s Primary Mortgage Market Survey for Oct. 22, 2026, down from 7.40% the week before and well above the 6.19% buyers saw a year earlier.