Today's Mortgage Rates by State

Compare today's mortgage rates by state using the interactive U.S. map below.

Estimated Principal & Interest, Loan Amount:

Monthly payment estimates update instantly below. Principal and interest only; taxes, insurance, HOA fees, and lender fees are not included.

Mortgage Rates Table ▼
State	30 Year Fixed	Est. P&I	15 Year Fixed	Est. P&I	20 Year Fixed	Est. P&I

How to Use This Mortgage Rates by State Map

Use the buttons above the map to switch between 30-year fixed, 15-year fixed and 20-year fixed mortgage rates. The map color scale helps show which states currently have higher or lower average mortgage rates for the selected loan type. Hovering over a state displays the selected state's rate details and ranking.

Why Mortgage Rates Differ by State in 2026

Mortgage pricing is no longer moving only with the national bond market. In 2026, lenders are also reacting to very local risks: how fast homes are selling, how much inventory is sitting on the market, how expensive it is to close and service a loan, and whether state-level taxes or insurance pressures are making borrowers more sensitive to monthly payments.

States with tight housing supply and resilient demand can still see competitive rate quotes because lenders have more confidence in collateral values and borrower depth. In high-cost coastal markets, however, larger average loan balances, jumbo exposure, transfer taxes, and stricter closing requirements may push lenders to price more cautiously. In states where inventory has risen quickly, lenders may also widen margins if appraisal risk or buyer cancellation risk has increased.

Local tax policy matters too. Higher recording fees, mortgage taxes, transfer taxes, and servicing compliance costs can affect lender economics even when the advertised note rate looks similar. Insurance pressure is another 2026 factor: in states exposed to hurricanes, wildfires, or rapidly rising premiums, debt-to-income calculations may become tighter, which can change the mix of borrowers who qualify and the rates lenders are willing to quote.

The result is that two borrowers with similar credit profiles may see different rate quotes depending on the state, property type, local inventory conditions, and the cost structure facing lenders in that market.

About Today's Mortgage Rate Data

This page focuses on fixed-rate, conforming mortgage data by state, including 30-year, 15-year and 20-year fixed loan terms. The update label on the chart reflects the latest daily update date using Eastern Time, shown as UTC-5 for consistency.

Reference Sources

For more information about mortgage rates, housing finance, consumer mortgage shopping and conforming loan standards, review these official and industry resources:

Disclaimer

The mortgage rate information on this page is provided for informational and educational purposes only. It is not financial advice, mortgage advice, lending advice or a commitment to lend. Mortgage rates change frequently and actual rates may vary based on credit score, loan amount, down payment, property location, loan type, occupancy, points, fees, lender pricing and underwriting requirements. Contact a licensed mortgage professional or lender for a personalized quote.

* This data is based on fixed-rate, conforming loan data associated with Fannie Mae and Freddie Mac mortgage market information and is updated daily when new data is available.