Mortgage Rates by State (2026)
Current 30-year fixed mortgage rates, median home prices, and first-time buyer programs for every state. Rates shown are averages — your actual rate depends on credit score, down payment, and lender.
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Alabama7.05%Alaska7.12%Arizona7.02%Arkansas7.08%California6.95%Colorado7%Connecticut6.98%Delaware7%Florida7.05%Georgia7.03%Hawaii6.88%Idaho7%Illinois7.05%Indiana7.07%Iowa7.06%Kansas7.09%Kentucky7.08%Louisiana7.1%Maine7.02%Maryland6.98%Massachusetts6.95%Michigan7.06%Minnesota7.04%Mississippi7.12%Missouri7.07%Montana7.05%Nebraska7.07%Nevada7.03%New Hampshire7%New Jersey6.97%New Mexico7.05%New York6.95%North Carolina7.04%North Dakota7.04%Ohio7.06%Oklahoma7.1%Oregon7%Pennsylvania7.02%Rhode Island6.98%South Carolina7.05%South Dakota7.05%Tennessee7.06%Texas7.05%Utah6.98%Vermont7.02%Virginia7%Washington6.97%West Virginia7.15%Wisconsin7.05%Wyoming7.08%