FX.co ★ U.S. MBA 30-Year Mortgage Rate Edges Up to 6.58% in Early July

The average 30-year mortgage rate in the United States, as reported by the Mortgage Bankers Association (MBA), inched higher to 6.58%, up slightly from 6.57%. The latest data were updated on 08 July 2026.

The marginal uptick of 0.01 percentage point suggests relative stability in borrowing costs for homebuyers and homeowners looking to refinance, with rates effectively holding in a narrow range. While the change is minimal, it keeps mortgage financing at elevated levels compared with the ultra-low-rate environment of recent years.