06/16/2026
Mortgage rate movement isn’t unusual — it’s part of the market cycle.
Since 1972, the average annual range in the 30-year fixed mortgage rate has been 1.40 percentage points. Since 2001, that average range has been 1.08 percentage points.
For buyers, sellers, and real estate professionals, context matters. Rate changes can feel big in the moment, but history shows movement happens every year.
That’s why having the right mortgage guidance matters — especially in a market where timing, strategy, and perspective can make all the difference.