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30-Year Mortgage Rates Climb to 7.49%

Original: Mortgage Rates Today, October 5, 2026: 30-Year Rates Climb to 7.49%

The average 30-year fixed mortgage rate rose to 7.49% as of October 5, 2026, adding to affordability pressure for homebuyers. Higher borrowing costs mean larger monthly payments on typical home loans, keeping many prospective buyers on the sidelines and sustaining debate over when relief for the housing market might arrive.

Why now: Rising mortgage rates directly affect housing affordability, a top concern for households watching borrowing costs.

mortgage rateshousing market30-year fixed mortgage

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Evidence

• Mortgage Rates Today, October 5, 2026: 30-Year Rates Climb to 7.49% · WSJ

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