Today's Financial Rates
Every rate that touches an American household — mortgages, savings, Treasuries, inflation and fuel — pulled straight from government and Federal Reserve data, updated each morning.
📅 Updated August 28, 2026
What today's numbers mean
Mortgage rates ticked up to 6.66% this week—a move so small it barely matters. On a $400,000 loan, you'd pay about $2 more per month than last week. For anyone considering a home purchase or refinance, this 1-basis-point shift is essentially noise.
What actually affects your household finances is inflation still running at 3.3% per year, nearly 50% higher than the Federal Reserve's 2% target. This matters because your money is quietly losing real value. If your savings account pays less than 3.3%, you're effectively getting poorer every month. That's why many people are now moving savings into higher-yield accounts—it's the only practical way to protect purchasing power against persistent inflation.
The wider economy appears steady. Unemployment sits at 4.1% and stock markets are trading calmly. Gas prices near $4.09 per gallon, though, likely hurt household budgets more than mortgage rates at 6.66% do.
🏠 Mortgage & Home Loans
National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.
30-Year Fixed
6.66%
▲ 0.01 pt
Week of Aug 27, 2026
A year ago: 6.56%
15-Year Fixed
5.98%
▲ 0.03 pt
Week of Aug 27, 2026
A year ago: 5.69%
Bank Prime Rate
6.75%
unchanged
As of Aug 26, 2026
Most HELOCs and credit cards are priced off this rate.
Median Home Price
$410,700
Quarter ending Apr 1, 2026
A year ago: $416,100
🏦 The Fed, Savings & Borrowing
The short-term rates that set what your savings account pays and what your debt costs.
Fed Funds Effective
3.63%
unchanged
Aug 26, 2026
A year ago: 4.33%
SOFR
3.64%
▼ 0.02 pt
Aug 26, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
3.84%
Aug 27, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.19%
▲ 0.02 pt
Aug 26, 2026
Tracks where markets think short rates are heading.
📈 Treasury Yield Curve
What the US government pays to borrow across every maturity. Mortgage rates track the 10-year closely.
US Treasury constant-maturity yields, Aug 27, 2026. Source: U.S. Department of the Treasury.
10-Year Treasury
4.66%
▲ 0.02 pt
Aug 26, 2026
A year ago: 4.26%
30-Year Treasury
5.18%
▲ 0.01 pt
Aug 26, 2026
10Y − 2Y Spread
0.47 pt
unchanged
Aug 27, 2026
Below zero is an inverted curve — historically a recession warning.
🛒 Cost of Living
Inflation from the Bureau of Labor Statistics and pump prices from the Energy Information Administration.
CPI Inflation (YoY)
3.3%
Data through Jul 1, 2026
How much more the same basket of goods costs than a year ago.
Core CPI (YoY)
2.5%
Data through Jul 1, 2026
Strips out food and energy — the number the Fed watches.
Regular Gasoline
$4.085
▲ 0.036
Week of Aug 24, 2026
A year ago: $3.147
Unemployment Rate
4.1%
▼ 0.1 pt
Jul 1, 2026
A year ago: 4.3%
📊 Markets & Commodities
Where retirement accounts and fuel budgets get moved around.
S&P 500
7,675.70
▼ 1.58
Aug 26, 2026
A year ago: 6,465.94
Nasdaq Composite
26,130.20
▼ 21.10
Aug 26, 2026
VIX Volatility
15.21
▼ 0.24
Aug 26, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$83.90
▼ 2.44
Aug 25, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$80,262
24-hour price
Ethereum
$2,511.20
24-hour price
💱 US Dollar Exchange Rates
European Central Bank reference rates for Aug 27, 2026.
| Currency | 1 USD buys |
|---|
| Canadian Dollar (CAD) | 1.3869 |
| Euro (EUR) | 0.8587 |
| British Pound (GBP) | 0.7363 |
| Japanese Yen (JPY) | 159.3900 |
| Mexican Peso (MXN) | 16.9732 |
Where these numbers come from
Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.
- Mortgage rates — Freddie Mac Primary Mortgage Market Survey, via the Federal Reserve Bank of St. Louis (FRED)
- Fed funds, prime, SOFR, CPI, unemployment, oil, stock indexes — Federal Reserve Bank of St. Louis (FRED)
- Treasury yield curve — U.S. Department of the Treasury daily par yield curve
- Gasoline prices — U.S. Energy Information Administration weekly retail survey, via FRED
- Exchange rates — European Central Bank reference rates
- Cryptocurrency — CoinGecko
Page generated 2026-08-28T07:00:02 US Eastern. Browse past days →