30-Year Fixed
Conforming conventional
- Market rate
- 6.542%
- Daily change
- 0.027 pts
- Est. monthly principal & interest
- $2,539
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
Latest available rate snapshot
Compare mortgage rates side by side.
Review the latest available market averages and estimate principal-and-interest payments for your loan amount. No forms, no phone calls, and no hard credit pull.
30-year conforming6.542%
15-year conforming5.929%
Latest available Available in PA
Market averages for your comparison
$400,000 loan · 80% LTV · July 9, 2026
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6 products
Conventional
Fixed-rate mortgage averages
Common conforming options with predictable principal-and-interest payments.
| Program | Rate | Daily change | Est. monthly P&I | Next step |
|---|---|---|---|---|
30-Year Fixed Conforming conventional | 6.542% market average | 0.027 pts | $2,539 principal & interest | Estimate |
15-Year Fixed Conforming conventional | 5.929% market average | 0.059 pts | $3,360 principal & interest | Estimate |
Fallback market snapshot as of July 9, 2026. Payments use the loan amount entered and include principal and interest only.
15-Year Fixed
Conforming conventional
- Market rate
- 5.929%
- Daily change
- 0.059 pts
- Est. monthly principal & interest
- $3,360
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
Government-backed
FHA, VA, and USDA averages
Program averages; eligibility and mortgage-insurance rules vary by borrower.
| Program | Rate | Daily change | Est. monthly P&I | Next step |
|---|---|---|---|---|
30-Year FHA Government-insured | 6.366% market average | 0.064 pts | $2,493 principal & interest | Estimate |
30-Year VA For eligible service members | 6.167% market average | 0.006 pts | $2,441 principal & interest | Estimate |
30-Year USDA Eligible rural properties | 6.369% market average | 0.126 pts | $2,494 principal & interest | Estimate |
Fallback market snapshot as of July 9, 2026. Payments use the loan amount entered and include principal and interest only.
30-Year FHA
Government-insured
- Market rate
- 6.366%
- Daily change
- 0.064 pts
- Est. monthly principal & interest
- $2,493
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
30-Year VA
For eligible service members
- Market rate
- 6.167%
- Daily change
- 0.006 pts
- Est. monthly principal & interest
- $2,441
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
30-Year USDA
Eligible rural properties
- Market rate
- 6.369%
- Daily change
- 0.126 pts
- Est. monthly principal & interest
- $2,494
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
Higher loan amounts
Jumbo mortgage average
For loan amounts above applicable conforming limits.
| Program | Rate | Daily change | Est. monthly P&I | Next step |
|---|---|---|---|---|
30-Year Jumbo Above conforming limits | 6.730% market average | 0.092 pts | $2,589 principal & interest | Estimate |
Fallback market snapshot as of July 9, 2026. Payments use the loan amount entered and include principal and interest only.
30-Year Jumbo
Above conforming limits
- Market rate
- 6.730%
- Daily change
- 0.092 pts
- Est. monthly principal & interest
- $2,589
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
What these numbers mean
Rates are market averages, not personalized offers. Estimated payments are principal and interest only and exclude taxes, insurance, HOA dues, mortgage insurance, points, and closing costs. Credit, property, occupancy, loan-to-value, and lender pricing can change your actual terms.
Pre-application results are estimates based on information provided and are not a formal Loan Estimate, loan approval, or commitment to lend. A formal Loan Estimate is provided after a mortgage application is submitted with the required information.
OnlyRates currently supports borrowers in Pennsylvania.
Market at a glance
One clear snapshot. Six common products.
Daily movement compares each stored average with the prior business-day snapshot.
Latest available snapshot · July 9, 2026
30-Year Fixed
6.542%
0.027 pts
30-Year Jumbo
6.730%
0.092 pts
30-Year FHA
6.366%
0.064 pts
30-Year VA
6.167%
0.006 pts
30-Year USDA
6.369%
0.126 pts
15-Year Fixed
5.929%
0.059 pts
Market rate
A broad average—not a personalized quote, approval, or promise of terms.
Daily change
Movement in percentage points versus the previous stored business-day average.
Estimated P&I
Principal and interest based on your loan amount; taxes, insurance, and fees are separate.
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