Show buyers what a rate move really costs
Pick a home price and drag the rate up or down. The monthly payment updates as you go. Free to share with your clients, no signup needed.
Market rates
Checked for new data Oct 13, 2026.* SourcesChecked each business day. The source posts each reading with a short delay, so the newest date is a few days back. Source: Optimal Blue, via the St. Louis Fed (FRED). Market index, not a rate we offer.*
Do these rates update every day?
Yes. We show a daily rate index along with the weekly Freddie Mac average. Freddie Mac publishes its mortgage average once a week, on Thursdays. The daily index and the 10-year Treasury yield update every business day. Each business day, software downloads the public Freddie Mac and U.S. Treasury data and checks every number before it is posted. If a check fails, the previous numbers stay up. Freddie Mac's mortgage averages change once a week. The daily rate index and the Treasury yield change every business day. See the sources.
Want a daily look at rates?
Some readers also follow a daily rate index from an independent news site. See daily mortgage news and rate indexes. This takes you to the section on our Rates page that explains the link before you leave our site.
* We check for new data every business day. Mortgage rate averages are published once a week, on Thursdays, so the latest figure can be several days old and still be the newest one available. The 10-year Treasury yield is a daily figure. Market rates are national averages published by Freddie Mac and the U.S. Treasury. They show where the market is moving. They are not rates we are offering, and your own rate may be higher or lower. Payment figures are estimates for education only and are not a loan offer, a Loan Estimate or a commitment to lend. Rates change often, and actual terms depend on your credit, loan type, property and lender.
Calculators
See all calculatorsPurchasing power estimator
See how much home a buyer may be able to afford, using two planning scenarios.
Monthly payment
The full estimated monthly cost of a home: principal, interest, tax, insurance, HOA and mortgage insurance.
Rent vs. buy
Compare the total cost of renting with buying over the years you expect to stay.
Seller credit vs. price cut vs. rate buydown
Compare three ways to use the same amount of seller money: lower the price, cover closing costs, or buy down the rate.
Debt-to-income ratio
See what share of monthly income goes to housing and to all debts together.
Down payment comparison
See how the monthly payment and cash needed change at different down payment amounts.
Cash purchase vs. financing
Compare paying all cash with getting a loan: cash needed, interest paid, and cash kept free.
VA loan estimator
Estimate the monthly payment and VA funding fee on a VA-backed home purchase, with no monthly mortgage insurance.
Cash to close
Estimate the cash a buyer needs at closing: down payment, closing costs and prepaid items.
Seller net proceeds
What a seller may take home after the sale, and the price needed to reach a target.
Refinance break-even
How long it takes for a refinance to pay for itself, and what it does to total interest.
Extra payments
See how much sooner a loan is paid off, and how much interest you save, by paying a little extra each month.
Points and rate comparison
Paying points lowers your rate but costs more up front. See how many months it takes for the lower payment to make up that cost.
Home equity and mortgage insurance
Your equity, your loan-to-value ratio, and how far you are from the 80% mark, where mortgage insurance can often be removed.
Amortization schedule
See every payment split into principal and interest, with the balance after each one.
Total cost of a loan
Add up principal, interest, points and closing costs to see what a loan costs in total.
Loan comparison
Compare two loans side by side: monthly payment, total interest, and when the lower-rate loan starts to save money.
Not sure which loan fits? Read the loan program guides: VA, FHA, USDA, jumbo, self-employed, investor and reverse mortgage. Veteran? Try the VA loan estimator.*
For real estate agents
Daily flyer
One image with today's market rates, a short plain-English summary and a QR code. Made to post in WhatsApp groups or show at a listing presentation.
Shareable links
Each calculator can copy a link that keeps the numbers you entered. Send it to a client and they see the same scenario you ran together.
Rate history and guide
Charts of how rates have moved over time, plus a short guide to what the numbers mean, so you can explain a rate change in a sentence.