Mortgage rates today hover near 6% — here’s what the latest 30-year fixed and refi numbers show

New York — February 8, 2026, 07:47 EST.

• Zillow’s daily tracker showed the 30-year fixed mortgage rate sitting at 5.99% as of Sunday.
• The benchmark 30-year fixed averaged 6.11% in Freddie Mac’s latest weekly reading, dated Feb. 5.
• Refinance rates held above those for purchases on multiple trackers, leaving fewer borrowers spotting an obvious benefit.

U.S. mortgage rates barely budged on Sunday, staying close to 6%. Zillow showed the 30-year fixed at 5.99%, while the 15-year fixed settled at 5.375%. 1

Stability is key at this point, as buyers enter the spring selling season still contending with borrowing costs that take the biggest bite out of affordability. Even a minor shift can bump a monthly payment, or turn a possible refinance into a nonstarter.

The housing market hasn’t managed to shake off the downturn that started in 2022, when borrowing costs jumped from their pandemic lows. Even with rates easing off their highs, sales of previously owned homes barely budged last year, sticking close to three-decade lows. Economists are keeping their eyes on 2026, still waiting for a meaningful move lower. 2

NerdWallet, pulling figures from Zillow, listed the 30-year fixed at 5.99% APR in its daily snapshot. The report reminded readers that a basis point equals one one-hundredth of a percentage point—a handy way to talk about minor rate moves. “Mortgage rates have stayed pretty close to 6% throughout all of 2026 so far,” Taylor Getler noted. 3

Earlier this week, CBS News pulled data from Zillow that pegged the 30-year purchase rate at 5.99% as of Feb. 4. Refis, though, came in higher—6.56% for a 30-year term. That spread, once you tack on closing costs, makes refinancing tougher to pencil out. 4

Norada Real Estate reported Feb. 6 that the national average for a 30-year fixed refinance slipped to 6.55%, off by 3 basis points from a week earlier. The 15-year refinance rate landed at 5.58%. 5

According to Freddie Mac’s Primary Mortgage Market Survey for Feb. 5, the 30-year fixed-rate mortgage landed at 6.11%, while the 15-year came in at 5.50%. The weekly survey captures an average of rates from the preceding week, Freddie Mac noted. 6

Freddie Mac’s chief economist Sam Khater described the current blend of “improving affordability and availability of homes” as a “positive sign for buyers and sellers” heading into spring. Realtor.com senior economist Anthony Smith, speaking with Fox Business, noted that mortgage rates aren’t “directly set by the Fed,” and highlighted the influence of long-term yields and what investors anticipate. 7

According to Money.com’s Feb. 6 rate roundup, mortgage rates slipped towards the end of the week, tracking a dip in Treasury yields as hiring slowed and layoffs surfaced. The outlet noted that investors remained on hold for the rescheduled Bureau of Labor Statistics jobs report, which is expected next week. 8

On Feb. 6, Bankrate reported the average 30-year fixed mortgage rate at 6.26%, while its 30-year fixed refinance rate came in at 6.57%. The figures highlight just how much “national averages” can shift, driven by each tracker’s unique sample and method. 9

It’s easy to mistake those fluctuations for random noise, but they follow a pattern. Certain trackers put out daily rate estimates. Others prefer weekly averages. Then there’s the APR — annual percentage rate — which folds in specific fees and tends to land above the more prominent interest rate.

Still, the quiet doesn’t always last. If inflation or jobs data comes in hot, bond yields can jump and mortgage rates might spike fast—Fed action or not—putting fresh strain on affordability just as more homes usually hit the market.

Freddie Mac’s next report lands Feb. 12. Until then, those daily rate trackers keep inching along—up or down by a basis point here or there. Not a dramatic shift, but over time, it can sneak into your payment. 10