Mortgage Rates – January 8, 2026
New year, new rates! Rates for Tuesday, January 8th are averaging 6.16 for a 30 year and 5.49 for a 15 year. This is is a 10 basis point drop since mid December which is good news for perspective home buyers.
Post holiday, the markets are catching up to a flurry of economic and world events that could impact the US economy, and future rates, one way or the other. Tomorrow we get some of our first major economic data in the December jobs report. It will be interesting to see the numbers and what retroactive changes to numbers occur as the data has been sub par since the government shutdown.
Looking into 2026, Fannie Mae is expecting a 5.9% average interest rate, but the Mortgage Bankers Association thinks 6.4% is more likely. Thursday, Realtor.com reported that the average forecast rate for the end of 2026 at 6.2%.
Source 15 Year Fixed 30 Year Fixed
IcanBuy 5.27 6.15
Bankrate 5.47 6.16
Mortgage News Daily 5.73 6.19
Average 5.49 6.1666666666667
*Actual rates available with your lender may vary.
