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Mortgage rates slip further after Fed keeps its policy rate unchanged
The average 30-year fixed rate fell to 6.55% on July 31, according to Zillow’s lender marketplace data.
Mortgage and refinance rates continued to drift lower after the Federal Reserve left the federal funds rate unchanged, according to Yahoo Finance citing Zillow’s lender marketplace. For Friday, July 31, 2026, the average 30-year fixed mortgage rate was 6.55%, down 10 basis points from the prior day. The 15-year fixed rate was 6.03%, 4 basis points lower than Thursday, while the 5/1 ARM was 6.42%, down 16 basis points. The outlet also noted that these are national averages rounded to the nearest hundredth and that refinance rates can be higher than purchase rates, depending on borrower and lender circumstances.
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