What are today's mortgage interest rates: March 23, 2026?

Today's owe involvement rates look noticeably antithetic from what they were a fewer weeks ago. Kirpal Kooner/Getty Images

Following a period successful which caller reports showed inflation was stuck and unemployment rising, not to notation a continued pause successful involvement complaint cuts by the Federal Reserve, borrowers are ending March successful a much uncertain economical clime than they started. At the aforesaid time, lenders whitethorn present person had capable clip to relationship for these caller developments, meaning that the rates they connection borrowers could already bespeak these changes. That means borrowers tin store astir with a spot much confidence, knowing that galore of the anticipated changes for March person already taken place.

And shopping around is peculiarly important for homebuyers and owners looking to refinance. This has been shown to prevention borrowers by offering a complaint up to 1 percent constituent little than they'd person otherwise. With marketplace changes pronounced, it's particularly important to bash your owed diligence erstwhile searching for the lowest complaint and champion word possible. That begins with establishing a baseline to comparison against by knowing wherever today's rates stand. So, what are today's owe involvement rates, specifically, arsenic of March 23, 2026? That's what we'll analyse below.

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What are today's owe involvement rates?

The mean owe involvement complaint connected a 30-year owe is 6.37% arsenic of March 23, 2026, according to Zillow. The mean complaint connected a 15-year owe is 5.87%. Both are up by much than 25 ground points from their February levels, earlier a spike successful geopolitical tensions. 

That said, these are averages from a azygous source, truthful it pays to store astir to spot however different lenders are responding to today's economical news. Some whitethorn person rates that are a spot higher, portion others whitethorn beryllium offering rates that are a spot lower. But each ground constituent counts erstwhile securing a mortgage, peculiarly implicit a three-decade period. So beryllium definite to instrumentality the clip to thoroughly probe not lone rates but besides lenders, terms, fees and closing costs.

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What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year owe indebtedness is 6.90% arsenic of March 23, 2026, according to Zillow. The mean refi complaint connected a 15-year word is presently 6.04%, up considerably from the mid-5% scope it had sat adjacent successful caller weeks. When considering your refinance options now, marque definite the complaint is astatine least half a percent constituent beneath your existent rate, ideally astatine slightest one percent constituent lower. 

If you can't fastener successful those savings now, past it whitethorn beryllium worthy holding until rates present determination again successful a much cost-effective way. Don't hide closing costs, which indispensable beryllium accounted for to accurately find the existent worth of a refinance, whether present oregon successful the not-too-distant future.

The bottommost line

The mean owe involvement complaint connected a 30-year owe is 6.37% arsenic of March 23, 2026, and 5.87% connected a 15-year mortgage. The mean refinance complaint connected a 30-year term, meanwhile, is present 6.90%, and it's 6.04% for a 15-year alternative. With each 4 options noticeably higher than they were conscionable a fewer weeks ago, it's much important than accustomed to instrumentality the clip to probe them. Consider speaking with lenders directly, too, who whitethorn beryllium capable to amended outline your options and contiguous you with rates and presumption that aren't ever listed connected online marketplaces.

Edited by Angelica Leicht