emergencyBreaking NewsKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisisKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisis
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Home/Markets & Investing/FED INTEREST RATE DECISION

Mortgage Rates Average 6.12% as Volatility Ticks Up 30-Year Terms

TL

Taylor Livingston

Fed interest rate decision · Apr 9, 2026

Mortgage Rates Average 6.12% as Volatility Ticks Up 30-Year Terms

Source: DojiDoji Data Terminal

A 30-year mortgage now averages 6.12% as of April 9, 2026, while the median 15-year term is 5.62%. These rates have ticked up in response to market volatility.

Related Brief23h ago
mortgage rates

Treasury Yield Dip Pulls 30-Year Fixed Mortgage Rates to 6.15%

The 30-year fixed mortgage rate has fallen to 6.15%, according to Zillow. This decrease follows a dip in the 10-year Treasury yield, which reached 4.29%. The yield movement was driven by a reduction in concerns regarding overseas conflicts and oil prices.

Refinance rates follow a similar pattern, with a 30-year loan averaging 6.66% and a 15-year term averaging 5.68%. For homeowners who locked in rates of 7% or higher in 2023 and 2024, these current averages provide a path to savings.

Related Brief10h ago
monetary policy

Oil Spikes and Iranian War Uncertainty Lock Interest Rates

The Dow fell 1.6%, the S&P 500 fell 1.4%, and the Nasdaq lost 1.5% to their lowest levels since November. The VIX Composite spiked nearly 10%. These declines followed the Federal Reserve's March 18 policy meeting where interest rates remained unchanged. Fed Chair Jerome Powell cited inflation concerns and uncertainty caused by the war in Iran as reasons for the stand pat. Brent crude oil closed at $105 a barrel, up nearly 6%, while the nationwide average average for a gallon of gas reached $3.86. Investors sold bonds, pushing the 10-year U.S. note yield up nearly 6 basis points to 4.26%.

Fed interest rate decision

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Read More Analysis

emergency fund

Kim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency Fund

Families in crisis in Hopkinton may receive short-term financial assistance grants through the Hopkinton Emergency Fund.…

Fed interest rate decision

Mortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits Refinancing

Homeowners are unlikely to refinance despite a recent dip in mortgage rates. The average 30-year fixed refinance rate fe…

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