30-Year Fixed Mortgage Rates — All 50 States

30-Year Fixed Mortgage Rates Today (May 2026) | State Loan Rates

30-Year Fixed Mortgage Rates — All 50 States (May 2026)

Last updated: May 21, 2026 · Rates updated daily

The national average 30-year fixed mortgage rate is currently 6.58% APR. The 30-year fixed is the most popular mortgage in the US — offering payment certainty and the lowest monthly payment of any fixed-rate loan. Compare rates across all 50 states below.

National avg
6.58%
30-yr fixed APR
Lowest state
6.43%
Arkansas
Highest state
6.85%
Hawaii
15-yr comparison
5.90%
APR avg
Rate range
6.43–6.85%
All 50 states
30-year fixed tip: Over 70% of US borrowers choose the 30-year fixed. The lower monthly payment vs a 15-year gives you more monthly cash flow — though you pay more total interest. Use our Mortgage Calculator to compare payment scenarios.

30-Year Fixed Rates — All 50 States

Click any state to see detailed rate comparisons and local market information.

Alabama6.45% APR › Alaska6.60% APR › Arizona6.53% APR › Arkansas6.43% APR › California6.65% APR › Colorado6.60% APR › Connecticut6.67% APR › Delaware6.57% APR › Florida6.45% APR › Georgia6.50% APR › Hawaii6.85% APR › Idaho6.55% APR › Illinois6.55% APR › Indiana6.46% APR › Iowa6.45% APR › Kansas6.46% APR › Kentucky6.44% APR › Louisiana6.52% APR › Maine6.60% APR › Maryland6.65% APR › Massachusetts6.70% APR › Michigan6.50% APR › Minnesota6.52% APR › Mississippi6.44% APR › Missouri6.48% APR › Montana6.57% APR › Nebraska6.46% APR › Nevada6.52% APR › New Hampshire6.62% APR › New Jersey6.68% APR › New Mexico6.50% APR › New York6.72% APR › North Carolina6.48% APR › North Dakota6.46% APR › Ohio6.48% APR › Oklahoma6.47% APR › Oregon6.63% APR › Pennsylvania6.55% APR › Rhode Island6.65% APR › South Carolina6.46% APR › South Dakota6.47% APR › Tennessee6.47% APR › Texas6.58% APR › Utah6.58% APR › Vermont6.63% APR › Virginia6.58% APR › Washington6.62% APR › West Virginia6.45% APR › Wisconsin6.50% APR › Wyoming6.55% APR ›

Understanding 30-Year Fixed Rates

The 30-year fixed-rate mortgage is the cornerstone of American homeownership. Its payment predictability and relatively low monthly payment make it the right choice for most buyers who plan to stay in their home for the long term.

Rates on 30-year mortgages are primarily driven by the 10-year US Treasury yield, which moves based on inflation expectations and Federal Reserve policy. When the Fed raises rates, 30-year mortgage rates typically follow.

How rates vary by state

While largely set by national market forces, state-level variation exists due to differences in local lender competition, average loan sizes, and state regulations. High-cost states like Hawaii and California see slightly higher rates due to larger loan amounts.

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Frequently Asked Questions

What is today’s 30-year fixed mortgage rate?
As of May 2026, the national average 30-year fixed rate is approximately 6.58% APR. Rates vary by state, lender, and your credit profile.
Is a 30-year or 15-year mortgage better?
A 30-year has a lower monthly payment but more total interest. A 15-year has a higher payment but a lower rate and far less total interest paid. Choose based on your cash flow and goals.
Can I pay off a 30-year mortgage early?
Yes — most 30-year mortgages have no prepayment penalty. Extra payments can save tens of thousands. Use our Early Payoff Calculator to see exactly how much.
How do I get the best 30-year fixed rate?
Maintain a 740+ credit score, put down 20%, compare 3–5 lenders on the same day, and lock your rate when you find a competitive offer.
Disclaimer: Rates shown are for informational purposes only. State Loan Rates is not a lender or broker. Always verify rates with lenders. Full disclaimer