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Mortgage and refinance rates fall in weekend snapshot

The 30-year fixed rate dropped 4 basis points to 6.48%, while the 15-year fixed rate fell 5 basis points to 5.90%.

Sunday, July 19, 2026 · Written up by our desk · Mortgages

Mortgage and refinance interest rates eased into the weekend, according to average pricing pulled from the Zillow lender marketplace.

On Saturday, July 18, 2026, the national average 30-year fixed rate declined 4 basis points to 6.48%. The 15-year fixed rate fell 5 basis points to 5.90%, and the 5/1 ARM dropped more sharply, down 29 basis points to 6.46%.

Zillow noted these are national averages rounded to the nearest hundredth, and refinance rates can sometimes be higher than purchase rates.

The story also provided an example breakdown for a sample monthly payment total of $2,644, showing the share attributed to principal and interest, property taxes, and other recurring costs.

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