Current Mortgage Rates by State & City — June 2026
Compare mortgage rates by state, city and ZIP across 3,300+ US markets. National average: 6.53% (30-year fixed), source date May 28, 2026.
Which Mortgage Rate Page Should You Use?
A national benchmark is only the starting point. Real rate shopping compares the city or state payment context with a same-day Loan Estimate that includes APR, points, lender credits and cash to close.
Mortgage Rates by State
Start with your state page for statewide 30-year and 15-year benchmarks, homebuyer-assistance notes, city comparisons, ZIP links, and local payment estimates.
Mortgage Rate Shopping Guides
Use these guides when the question is not just “what is the rate?” but whether to choose a 30-year or 15-year loan, pay points, lock now, or compare an ARM against a fixed-rate mortgage.
Publisher Data and Embeds
Finance writers, housing dashboards, newsletters, and calculator builders can reuse Amortio's mortgage-rate table with attribution. Use the widget for a live embed or the JSON file for custom analysis.
Local Rate Markets to Watch
These city guides answer local mortgage-rate searches where payment, insurance, FHA/VA eligibility, and affordability change the borrower's real monthly cost.
Fresh City Mortgage Rate Guides
These city pages were expanded with more local payment context so borrowers can compare rates, taxes, insurance, condo/HOA assumptions, buyer programs, and cash-to-close details in one place.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Mortgage Rates by ZIP Code
Explore hyperlocal mortgage rates by ZIP code for more granular neighborhood-level data.