Checking today's mortgage rates
If the public data feed is slow, the page will show the most recent saved data and make the date clear.
The source is temporarily slow. This page is showing a recent saved observation and labels its exact date.
FHA mortgage rates
Up 11 basis points from Jul 15, 2026.
This number tracks locked 30-year fixed FHA mortgages across the United States. Approved lenders originate FHA loans, while the Federal Housing Administration insures them.
The index does not determine eligibility and does not combine every mortgage-insurance charge or loan fee into the rate shown.
Source
Optimal Blue / FRED
Measure
Locked-loan average
Data through
Jul 16, 2026
Latest 90 published observations for FHA.
A crawlable record of the latest values, with each row compared with the prior valid observation.
High across 8 observations
6.390% · Jul 16, 2026
Low across 8 observations
6.284% · Jul 15, 2026
Net change since Jul 7, 2026
+8 bps
| Observation date | Rate | Change from prior observation |
|---|---|---|
| Jul 16, 2026 | 6.390% | +11 bps |
| Jul 15, 2026 | 6.284% | −3 bps |
| Jul 14, 2026 | 6.314% | +1 bp |
| Jul 13, 2026 | 6.308% | Unchanged |
| Jul 10, 2026 | 6.307% | −6 bps |
| Jul 9, 2026 | 6.366% | +6 bps |
| Jul 8, 2026 | 6.302% | −1 bp |
| Jul 7, 2026 | 6.312% | — |
Weekends, holidays, and missing observations are skipped. A basis point is 0.01 percentage point.
The FHA insures loans that follow program rules, while banks and mortgage lenders make the loans. Eligibility, property requirements, and loan limits come from official program and lender documents.
FHA loans can include upfront and ongoing mortgage-insurance costs. This page shows a rate average, not an APR or a total-cost calculation.
The page reads the Optimal Blue FHA locked-loan index, usually published on the next business day, and labels the source date.
Clear limits on what this number can tell you.
Not necessarily. Mortgage insurance, points, lender fees, and the time the loan is held all affect total cost.
No. It reports public market data and does not review loan qualifications.