The 30-year fixed-rate mortgage averaged 6.47% as of June 18, 2026, down from 6.52% last week, according to Freddie Mac.

The 30-year rate was 6.81% a year earlier. The 15-year fixed-rate mortgage averaged 5.81%, down from 5.84% last week and 5.96% a year earlier.

Incoming data reflected a resilient consumer, with retail sales improving and pending home sales strengthening, suggesting purchase demand was modestly improving.