Explore the latest developments concerning Mortgage Rates Inch.
Mortgage Rates Inch to Another 6-Week Low
Mortgage rates ended last week at the lowest level since May 14th. Most of the recent drop happened last Wednesday, but each day since then has added a microscopic improvement. Today was no exception with the 30yr fixed rate index falling a mere 0.01%–the lowest increment we measure.
The calendar of economic events was completely empty and consequential news headlines were just as scarce. This will change over the next 3 days on at least one front. Big-ticket econ data comes out on each of the next 3 mornings. Thursday's jobs report is typically the most important scheduled monthly data, but each day carries at least some risk for volatility.
Mortgage and refinance interest rates today, Tuesday, June 30, 2026: Rates mixed, but lowest 30-year rate since May
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According to the Zillow lender marketplace, the average 30-year fixed rate is 6.19%, up 2 basis points since yesterday. Despite the slight uptick in the 30-year, it's still the lowest 30-year rate we've seen since May 12. The 15-year fixed loan is currently at 5.70%, 5 basis points lower than yesterday. The 5/1 ARM is 6.06%, 3 basis points lower than on Monday.
Weekly survey of mortgage lenders with the lowest rates: 6% is back (without fees)
Here are the current mortgage rates, according to our latest Zillow data, for Tuesday, June 30, 2026:
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Current refi mortgage rates report for June 30, 2026
The current average refinance rate on a 30-year, fixed-rate home loan is 6.47%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.
Note that Fortune reviewed the most recent Zillow data available as of June 29.
Mortgage refinancing involves replacing your existing home loan with a new one. Similar to your initial mortgage application, you’ll need to apply and meet lender criteria, including your credit profile, income verification, debt-to-income (DTI) ratio, and more.
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