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🇺🇸 Official Rates

United States Mortgage Rates 2025

Source: Federal Reserve, Freddie Mac Primary Mortgage Market SurveyUpdated: 2025-01-15

Current Rates

Parameter	Value
average rate 30yr	6.5
average rate 20yr	6.25
average rate 15yr	5.75
pmi rate	0.5
typical property tax rate	1.2
typical insurance rate	0.4

Rules & Limits

Parameter	Value
pmi threshold	20
pmi removal equity	22
conforming loan limit	766,550
jumbo loan threshold	766,551
fha loan min down payment	3.5
va loan min down payment	0
conventional min down payment	3

Notes

PMI is typically required when down payment is less than 20% and can be removed once you reach 22% equity
Property taxes vary by county and state. Check your local tax assessor for accurate rates.
Homeowners insurance costs vary based on location, home value, and coverage amount.
Interest rates shown are national averages. Your actual rate depends on credit score, loan type, and market conditions.

Use these rates in our interactive calculators.

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