THE MARKET DESKFor the people
For the people
who check the numbers.
Independent benchmarks. Historical context. A clearer view of what changed—and what it could mean for your payment.
Independent benchmarks · daily and weekly reporting
30-year mortgage
6.76%↑ +5 bp vs Sep 3, 2026Reported for Sep 10, 2026Freddie Mac PMMS® via FRED ↗15-year mortgage
6.09%↑ +5 bp vs Sep 3, 2026Reported for Sep 10, 2026Freddie Mac PMMS® via FRED ↗2-year Treasury
4.63%↑ +7 bp vs Sep 10, 2026Reported for Sep 11, 2026U.S. Treasury / Federal Reserve ↗30-year Treasury
5.35%↓ -2 bp vs Sep 10, 2026Reported for Sep 11, 2026U.S. Treasury / Federal Reserve ↗Treasury yields are bond benchmarks, not mortgage offers. Freddie Mac figures are weekly averages, not today’s available lender quotes. No intraday or MBS pricing is represented.
YOUR QUICK MARKET READ
What changed?
Facts from the latest available observations. Each comparison uses that series’ previous report.
10-year Treasury rose 1 basis points to 4.96% in the report for Sep 11, 2026, compared with 4.95% for Sep 10, 2026.
30-year mortgage rose 5 basis points to 6.76% in the report for Sep 10, 2026, compared with 6.71% for Sep 3, 2026.
Observed changes describe the past. They do not predict your next quote or tell you when to lock.
Scan all benchmarks in one table
| Benchmark / source | Latest | Prior-report change | 30-day change* | Reported for |
|---|---|---|---|---|
| 10-year Treasury ↗Daily bond yield | 4.96% | +1 bp | +28 bp | Sep 11, 2026 |
| 30-year mortgage ↗Weekly national average | 6.76% | +5 bp | +7 bp | Sep 10, 2026 |
| 15-year mortgage ↗Weekly national average | 6.09% | +5 bp | +8 bp | Sep 10, 2026 |
| 2-year Treasury ↗Daily bond yield | 4.63% | +7 bp | +43 bp | Sep 11, 2026 |
| 30-year Treasury ↗Daily bond yield | 5.35% | -2 bp | +11 bp | Sep 11, 2026 |
*Compared with the last observation on or before 30 calendar days before each series’ latest date. 1 bp = 0.01 percentage point.
LOOK PAST A SINGLE DAY
Follow the change.
10-year Treasury
Statistics below: 10-year Treasury
Latest reported4.96%
30-day change*+28 bp
1-year change*+95 bp
Selected-period range4.38–4.96%
*Uses the last available observation on or before 30 or 365 calendar days before the latest reported date. One basis point (bp) is 0.01 percentage point. Gaps reflect the source’s reporting schedule; the chart connects reported observations and its vertical scale adjusts to the selected period.
View exact observations (62 dates)
| Date | 10-year Treasury |
|---|---|
| Sep 11, 2026 | 4.96% |
| Sep 10, 2026 | 4.95% |
| Sep 9, 2026 | 4.83% |
| Sep 8, 2026 | 4.80% |
| Sep 4, 2026 | 4.78% |
| Sep 3, 2026 | 4.77% |
| Sep 2, 2026 | 4.79% |
| Sep 1, 2026 | 4.79% |
| Aug 31, 2026 | 4.75% |
| Aug 28, 2026 | 4.73% |
| Aug 27, 2026 | 4.67% |
| Aug 26, 2026 | 4.66% |
| Aug 25, 2026 | 4.64% |
| Aug 24, 2026 | 4.70% |
| Aug 21, 2026 | 4.74% |
| Aug 20, 2026 | 4.69% |
| Aug 19, 2026 | 4.65% |
| Aug 18, 2026 | 4.71% |
| Aug 17, 2026 | 4.72% |
| Aug 14, 2026 | 4.68% |
| Aug 13, 2026 | 4.63% |
| Aug 12, 2026 | 4.68% |
| Aug 11, 2026 | 4.70% |
| Aug 10, 2026 | 4.72% |
| Aug 7, 2026 | 4.65% |
| Aug 6, 2026 | 4.69% |
| Aug 5, 2026 | 4.63% |
| Aug 4, 2026 | 4.63% |
| Aug 3, 2026 | 4.70% |
| Jul 31, 2026 | 4.75% |
| Jul 30, 2026 | 4.68% |
| Jul 29, 2026 | 4.67% |
| Jul 28, 2026 | 4.61% |
| Jul 27, 2026 | 4.65% |
| Jul 24, 2026 | 4.69% |
| Jul 23, 2026 | 4.71% |
| Jul 22, 2026 | 4.67% |
| Jul 21, 2026 | 4.63% |
| Jul 20, 2026 | 4.60% |
| Jul 17, 2026 | 4.55% |
| Jul 16, 2026 | 4.57% |
| Jul 15, 2026 | 4.55% |
| Jul 14, 2026 | 4.58% |
| Jul 13, 2026 | 4.62% |
| Jul 10, 2026 | 4.56% |
| Jul 9, 2026 | 4.54% |
| Jul 8, 2026 | 4.56% |
| Jul 7, 2026 | 4.55% |
| Jul 6, 2026 | 4.48% |
| Jul 2, 2026 | 4.49% |
| Jul 1, 2026 | 4.48% |
| Jun 30, 2026 | 4.44% |
| Jun 29, 2026 | 4.38% |
| Jun 26, 2026 | 4.38% |
| Jun 25, 2026 | 4.40% |
| Jun 24, 2026 | 4.41% |
| Jun 23, 2026 | 4.50% |
| Jun 22, 2026 | 4.51% |
| Jun 18, 2026 | 4.46% |
| Jun 17, 2026 | 4.49% |
| Jun 16, 2026 | 4.43% |
| Jun 15, 2026 | 4.47% |
TRANSLATE A RATE INTO A PAYMENT
What would a quarter point change?
Use a mortgage rate from your own quote or a planning assumption. Treasury changes do not translate one-for-one into mortgage-rate changes.
6.00%-0.50 percentage point$2,398−$130 / month
6.25%-0.25 percentage point$2,463−$65 / month
6.50%Your assumption$2,528monthly P&I
6.75%+0.25 percentage point$2,594+$66 / month
7.00%+0.50 percentage point$2,661+$133 / month
30-year fixed illustration, principal and interest only. Excludes closing costs, taxes, insurance, HOA dues, and mortgage insurance. These are sensitivity calculations, not lender pricing or a rate forecast.
How the numbers stay current
The server checks sources when the data cache is more than one hour old and a visitor requests an update. This page checks again every 15 minutes while visible. Sources publish on their own schedules, and a successful check does not mean a new observation is available. Source dates—not the time you opened this page—identify each value.
Recent Treasury yields come from the U.S. Treasury’s published XML feed. Historical yields use Federal Reserve H.15 series DGS2, DGS10, and DGS30 via FRED; Treasury values take precedence on overlapping dates. Mortgage averages are Freddie Mac PMMS® series MORTGAGE30US and MORTGAGE15US, retrieved from FRED, Federal Reserve Bank of St. Louis. Freddie Mac data are provided as is; attribution and source links are included. Source data can be revised.
Last successful source retrieval: Treasury 9/12/2026, 1:26:27 AM UTC; FRED Treasury history 9/11/2026, 11:34:38 PM UTC; FRED mortgage averages 9/12/2026, 1:26:28 AM UTC.
KNOW WHAT YOU’RE LOOKING AT
Three numbers. Different jobs.
A bond-market reference.
The 10-year Treasury helps you follow longer-term interest-rate conditions. It is a government-bond yield, not a mortgage rate. Mortgage pricing also reflects mortgage-security pricing, prepayment risk, lender costs, and the details of your loan.
Explore the Fed’s rate release ↗Context for your quote.
Freddie Mac’s PMMS is a weekly national benchmark based on qualifying mortgage applications. Its 30-year and 15-year averages help frame a conversation; they do not promise that rate for your credit profile, property, points, or lock period.
Read the PMMS methodology ↗A separate market.
Mortgage-backed securities are connected to the mortgage market, but a security’s price, coupon, and yield are different measures. This dashboard does not display an MBS quote. A future feed will need to identify the actual security, timestamp, pricing units, and any delay.
Questions to ask before locking ↗THE NEXT REASON TO CHECK IN
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These links open the agencies’ current schedules. Release times can change; check the source.
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Open the current schedule ↗Make the next check-in personal.
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