What are today's mortgage interest rates: April 1, 2026?
Mortgage interest rates noticeably changed in March. Here's where they stand on the first day of April.
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A new month offers a fresh start for borrowers and it will be particularly welcome for those looking for a mortgage loan or an opportunity to refinance their current home. Mortgage interest rates in March increased by around a half a percentage point – even with the Federal Reserve keeping interest rates paused – thanks to a series of volatile economic reports, overseas conflicts and geopolitical tensions. So the sub-6% rates many were seeing listed online in February were mostly gone by the end of March.
That said, rates here are still marginally improved from where they sat at similar points in the spring of 2024 and 2024. And by shopping around for an affordable lender and, potentially, by adding mortgage points to whatever rate they're ultimately offered, borrowers may still be able to find a rate and term that fits their budget now. Being aggressive, however, will be critical and that may even mean locking in a cost-effective mortgage rate when found to protect against market unknowns ahead. To better decide on their next steps, it helps to know where mortgage interest rates sit right now, on the first day of April 2026. Below, we'll break down everything to know.
See how low your current mortgage rate options are here .
What are today's mortgage interest rates?
The average mortgage interest rate on a 30-year mortgage is 6.25% as of April 1, 2026, according to Zillow , slightly below where it has sat in recent days. The average rate on a 15-year mortgage is now 5.75%, also marginally improved from where it was in late March.