30-Year Mortgage Rates Stuck in 6.4%–6.5% Band for Three Months Running

The 30-year fixed mortgage averaged 6.49% for the week ending July 9, 2026, up from 6.43% the prior week, per Freddie Mac. That marks the upper end of a 6.4%–6.5% range holding since May. After rising roughly 38 basis points from March's 6.11%, rates have stalled—offering no signal of an imminent break lower.