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.
Auto-refresh every 5 minutes · Last site check Oct 26, 10:37 PM PDT
30-year mortgage
7.32%↓ -8 bp vs Oct 15, 2026Published for Oct 22, 2026Source checked Oct 26, 10:15 PM PDTFreddie Mac PMMS® via FRED ↗15-year mortgage
6.68%↓ -3 bp vs Oct 15, 2026Published for Oct 22, 2026Source checked Oct 26, 10:15 PM PDTFreddie Mac PMMS® via FRED ↗2-year Treasury
4.68%↓ -1 bp vs Oct 23, 2026Published for Oct 26, 2026Source checked Oct 26, 10:36 PM PDTU.S. Treasury / Federal Reserve ↗30-year Treasury
5.31%↓ -2 bp vs Oct 23, 2026Published for Oct 26, 2026Source checked Oct 26, 10:36 PM PDTU.S. Treasury / Federal Reserve ↗Freshness matters: Shop Lender Rates checks for newly published values every five minutes while this page is open. Clicking Refresh now bypasses our market cache and checks the source feeds immediately. Treasury values shown here are official daily benchmarks; Freddie Mac mortgage figures are weekly national averages. A newer check time does not change a value until its publisher releases a new observation.
YOUR QUICK MARKET READ
What changed?
Facts from the latest available observations. Each comparison uses that series’ previous report.
10-year Treasury held steady to 5.00% in the report for Oct 26, 2026.
30-year mortgage fell 8 basis points to 7.32% in the report for Oct 22, 2026.
Scan all benchmarks in one table
| Benchmark | Latest | Prior change | Reported for |
|---|---|---|---|
| 10-year Treasury | 5.00% | 0 bp | Oct 26, 2026 |
| 30-year mortgage | 7.32% | -8 bp | Oct 22, 2026 |
| 15-year mortgage | 6.68% | -3 bp | Oct 22, 2026 |
| 2-year Treasury | 4.68% | -1 bp | Oct 26, 2026 |
| 30-year Treasury | 5.31% | -2 bp | Oct 26, 2026 |
LOOK PAST A SINGLE DAY
Follow the change.
10-year Treasury
Statistics below: 10-year Treasury
Latest reported5.00%
30-day change*-17 bp
1-year change*+98 bp
Selected-period range4.61–5.31%
*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.
View exact observations (63 dates)
| Date | 10-year Treasury |
|---|---|
| Oct 26, 2026 | 5.00% |
| Oct 23, 2026 | 5.00% |
| Oct 22, 2026 | 4.96% |
| Oct 21, 2026 | 5.13% |
| Oct 20, 2026 | 5.12% |
| Oct 19, 2026 | 5.15% |
| Oct 16, 2026 | 5.09% |
| Oct 15, 2026 | 5.10% |
| Oct 14, 2026 | 5.19% |
| Oct 13, 2026 | 5.21% |
| Oct 9, 2026 | 5.24% |
| Oct 8, 2026 | 5.22% |
| Oct 7, 2026 | 5.28% |
| Oct 6, 2026 | 5.27% |
| Oct 5, 2026 | 5.31% |
| Oct 2, 2026 | 5.28% |
| Oct 1, 2026 | 5.24% |
| Sep 30, 2026 | 5.29% |
| Sep 29, 2026 | 5.26% |
| Sep 28, 2026 | 5.24% |
| Sep 25, 2026 | 5.17% |
| Sep 24, 2026 | 5.18% |
| Sep 23, 2026 | 5.11% |
| Sep 22, 2026 | 4.96% |
| Sep 21, 2026 | 4.96% |
| Sep 18, 2026 | 5.01% |
| Sep 17, 2026 | 4.94% |
| Sep 16, 2026 | 5.01% |
| Sep 15, 2026 | 5.00% |
| Sep 14, 2026 | 4.97% |
| 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% |
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.
How freshness works
Your browser checks this dashboard every five minutes while visible and whenever you return to the tab. Manual Refresh now requests an uncached read from all three official source feeds. Source publication date and source-check time are deliberately shown separately.
We do not manufacture intraday Treasury or mortgage rates from daily/weekly data. The separate Shop Lender Rates pricing snapshot will show timestamped lender pricing for a standardized scenario.
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
Keep the official calendars close.
These links open the agencies’ current schedules. Release times can change; check the source.
BUREAU OF LABOR STATISTICS
Inflation & jobs
Find the next CPI, employment, and producer-price releases.
Open the current schedule ↗BUREAU OF ECONOMIC ANALYSISPCE inflation & growth
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Open the current schedule ↗FEDERAL RESERVEFed meetings & decisions
Read meeting dates, policy statements, minutes, and projections.
Open the current schedule ↗Make the next check-in personal.
Save your own rate target and revisit the payment math when a new quote arrives. Your saved target stays in this browser; it does not subscribe you to alerts.