What are today's mortgage interest rates: March 19, 2026?

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The Federal Reserve this week did what galore expected but what borrowers were hoping it wouldn't – it kept its federal funds complaint connected pause. At a scope betwixt 3.50% and 3.75%, rates person remained stuck truthful acold successful 2026 aft the cardinal slope issued three consecutive cuts successful the last 4 months of 2025. And that, successful turn, has slowed the advancement homebuyers and owners looking to refinance were increasing accustomed to past year, aft rates present declined to their lowest level since 2022.

At the aforesaid time, owe involvement rates stay competitive, inactive beneath wherever they stood 1 twelvemonth ago, and considering that galore lenders preemptively adjusted their rates successful anticipation of a Fed complaint intermission connected Wednesday, comparatively dependable close now. Still, mortgage rates alteration each day, and they tin and volition set earlier the Fed meets again successful April, depending connected what economical information is released earlier that point. So borrowers who privation to lock successful a debased owe rate whitethorn privation to see their options now, earlier immoderate adverse conditions effect successful an increase. To find the worth of acting today, it helps to commencement with wherever owe involvement rates presently stand.

So, what are today's owe involvement rates, arsenic of March 19, 2026? That's what we'll interruption down below.

See however debased your existent owe complaint offers are here.

What are today's owe involvement rates?

The mean owe involvement complaint connected a 30-year owe is 6.12% arsenic of March 19, 2026, according to Zillow data. The mean owe involvement complaint connected a 15-year owe is presently 5.62%. With these rates having accounted for this week's Fed complaint pause, however, borrowers tin consciousness reasonably assured that these are immoderate of the amended options disposable close now.

That said, these are conscionable averages cited from 1 source, meaning that borrowers whitethorn beryllium capable to find amended rates by shopping around. And with rates connected intermission present for the foreseeable future, it's arguably much important than accustomed to store for rates, lenders, fees and presumption close now, earlier formally applying.

Start buying for owe rates and lenders now.

What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year owe is 6.77% arsenic of March 19, 2026, according to Zillow. The median refi complaint connected a 15-year term, meanwhile, is 5.82%. While these are acold from the grounds debased owe refi rates borrowers were offered successful March 2020, they're improved from what was disposable successful March 2025, too. So it whitethorn beryllium worthy calculating your imaginable savings costs present to find if a refinance makes consciousness for you.

And portion galore experts would urge waiting to refinance for a complaint that's a afloat percent constituent beneath your existent one, you whitethorn besides beryllium capable to recognize existent savings with a rate that's adjacent fractional a percent constituent lower. Crunch the numbers carefully, past (and don't hide astir mortgage refinancing closing costs), to champion find your adjacent steps.

The bottommost line

The mean owe involvement complaint connected a 30-year owe is 6.12% arsenic of March 19, 2026, and it's conscionable 5.62% connected a 15-year one. The median refinance complaint connected a 30-year mortgage, meanwhile, is present 6.77% portion it's 5.82% for a 15-year option. And these are each listed online post-Fed gathering this week, meaning that a intermission determination has mostly already been accounted for. So, if these rates acceptable your fund present oregon travel adjacent to it, it whitethorn beryllium invaluable to straight talk with a lender who tin outline your adjacent champion steps.

Edited by Angelica Leicht

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