Today's Financial Rates

Every rate that touches an American household β€” mortgages, savings, Treasuries, inflation and fuel β€” pulled straight from government and Federal Reserve data, updated each morning.

πŸ“… Updated September 18, 2026
πŸ“Œ This is an archived snapshot from September 18, 2026. See today's current rates β†’

What today's numbers mean

Mortgage rates jumped to 6.95% from 6.76% last week. For someone buying a $400,000 home, that increase means roughly $55 more per monthβ€”or $660 extra per year in payments. If you're shopping for a home, this is the number to watch most closely.

Inflation is running at 3.35% year-over-year, which matters because your savings are losing value if they earn less than that rate. The good news: with the prime rate at 6.75%, some high-yield savings accounts and money market funds should now beat inflation if you shop around. Core inflation sits at 2.45%, showing that while prices are rising broadly, the pace is moderating.

Gas prices remain elevated at $4.32 per gallon. The job market stays stable with unemployment at 4.1%, suggesting Americans continue finding work despite higher borrowing costs. The S&P 500 closed at 7,551.81 and the Nasdaq at 25,978.42.

🏠 Mortgage & Home Loans

National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.

30-Year Fixed
6.95%
β–² 0.19 pt
Week of Sep 17, 2026
A year ago: 6.26%
15-Year Fixed
6.26%
β–² 0.17 pt
Week of Sep 17, 2026
A year ago: 5.41%
Bank Prime Rate
6.75%
unchanged
As of Sep 15, 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
Sep 16, 2026
A year ago: 4.33%
SOFR
3.62%
β–Ό 0.02 pt
Sep 16, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
4.12%
Sep 17, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.74%
β–² 0.07 pt
Sep 16, 2026
Tracks where markets think short rates are heading.

πŸ“ˆ Treasury Yield Curve

What the US government pays to borrow across every maturity. Mortgage rates track the 10-year closely.

3.97
1 Mo
4.12
3 Mo
4.20
6 Mo
4.40
1 Yr
4.67
2 Yr
4.75
3 Yr
4.78
5 Yr
4.86
7 Yr
4.94
10 Yr
5.32
20 Yr
5.29
30 Yr

US Treasury constant-maturity yields, Sep 17, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
5.01%
β–² 0.01 pt
Sep 16, 2026
A year ago: 4.04%
30-Year Treasury
5.35%
β–Ό 0.01 pt
Sep 16, 2026
10Y βˆ’ 2Y Spread
0.27 pt
unchanged
Sep 17, 2026
Below zero is an inverted curve β€” historically a recession warning.

πŸ›’ Cost of Living

Inflation from the Bureau of Labor Statistics and pump prices from the Energy Information Administration.

CPI Inflation (YoY)
3.4%
Data through Aug 1, 2026
How much more the same basket of goods costs than a year ago.
Core CPI (YoY)
2.5%
Data through Aug 1, 2026
Strips out food and energy β€” the number the Fed watches.
Regular Gasoline
$4.319
β–² 0.162
Week of Sep 14, 2026
A year ago: $3.168
Unemployment Rate
4.1%
unchanged
Aug 1, 2026
A year ago: 4.3%

πŸ“Š Markets & Commodities

Where retirement accounts and fuel budgets get moved around.

S&P 500
7,551.81
β–Ό 33.92
Sep 16, 2026
A year ago: 6,606.76
Nasdaq Composite
25,978.42
β–Ό 3.15
Sep 16, 2026
VIX Volatility
17.71
β–² 0.51
Sep 16, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$107.02
β–² 4.60
Sep 15, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$76,404
24-hour price
Ethereum
$2,447.11
24-hour price

πŸ’± US Dollar Exchange Rates

European Central Bank reference rates for Sep 17, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.3995
Euro (EUR)0.8710
British Pound (GBP)0.7476
Japanese Yen (JPY)155.6900
Mexican Peso (MXN)17.1881

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.

Page generated 2026-09-18T07:00:01 US Eastern. Browse past days β†’