Every rate that touches an American household — mortgages, savings, Treasuries, inflation and fuel — pulled straight from government and Federal Reserve data, updated each morning.
Mortgage rates jumped this week to 6.95%, up from 6.76%—and this affects your wallet if you're buying or refinancing. On a $400,000 home loan, that rate increase means roughly $43 more per month, or about $516 extra per year in payments. With the 10-year Treasury at 4.94%, borrowing costs are staying elevated across the board.
The squeeze is even tighter for savers. Inflation is running at 3.35% year-over-year, which means your purchasing power is shrinking. Most savings accounts earn far less than that, so you're actually losing value by keeping money parked away. Gas is $4.319 a gallon, groceries continue climbing, and everyday costs keep rising.
The stock market stayed relatively calm today with the S&P at 7,637.76 and unemployment steady at 4.1%. But for your household budget, the real takeaway this week is that both borrowing and saving are getting more painful right now—rates are up while inflation eats into your savings.
National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.
The short-term rates that set what your savings account pays and what your debt costs.
What the US government pays to borrow across every maturity. Mortgage rates track the 10-year closely.
US Treasury constant-maturity yields, Sep 18, 2026. Source: U.S. Department of the Treasury.
Inflation from the Bureau of Labor Statistics and pump prices from the Energy Information Administration.
Where retirement accounts and fuel budgets get moved around.
European Central Bank reference rates for Sep 18, 2026.
| Currency | 1 USD buys |
|---|---|
| Canadian Dollar (CAD) | 1.4010 |
| Euro (EUR) | 0.8726 |
| British Pound (GBP) | 0.7494 |
| Japanese Yen (JPY) | 157.8900 |
| Mexican Peso (MXN) | 17.1776 |
Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.
Page generated 2026-09-19T07:00:01 US Eastern. Browse past days →