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 25, 2026
πŸ“Œ This is an archived snapshot from September 25, 2026. See today's current rates β†’

What today's numbers mean

The 30-year fixed mortgage rate climbed to 7.03% this week, up from 6.95%. If you're buying a $400,000 home, that increase means paying roughly $25 more per monthβ€”or about $300 extra per year over the life of the loan. Anyone planning to buy or refinance a home should take note of this upward move.

Inflation remains at 3.35% year-over-year, with core inflation at 2.45%. This matters for your savings: money sitting in a bank account needs to earn more than 3.35% annually just to keep up with rising prices. Gas prices remain stubbornly high at $4.48 per gallon, adding to household expenses.

On the broader economic front, the picture is steady: unemployment at 4.1%, the S&P 500 at 7706, and the Fed funds rate at 3.88%. Market volatility remains low, signaling relative calm.

🏠 Mortgage & Home Loans

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

30-Year Fixed
7.03%
β–² 0.08 pt
Week of Sep 24, 2026
A year ago: 6.30%
15-Year Fixed
6.42%
β–² 0.16 pt
Week of Sep 24, 2026
A year ago: 5.49%
Bank Prime Rate
7.00%
unchanged
As of Sep 21, 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
3.88%
unchanged
Sep 23, 2026
A year ago: 4.09%
SOFR
3.87%
unchanged
Sep 23, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
4.24%
Sep 24, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.85%
β–² 0.14 pt
Sep 23, 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.

4.01
1 Mo
4.24
3 Mo
4.34
6 Mo
4.51
1 Yr
4.87
2 Yr
4.99
3 Yr
5.03
5 Yr
5.10
7 Yr
5.18
10 Yr
5.53
20 Yr
5.47
30 Yr

US Treasury constant-maturity yields, Sep 24, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
5.11%
β–² 0.15 pt
Sep 23, 2026
A year ago: 4.12%
30-Year Treasury
5.40%
β–² 0.11 pt
Sep 23, 2026
10Y βˆ’ 2Y Spread
0.31 pt
β–² 0.05 pt
Sep 24, 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
$4.478
β–² 0.159
Week of Sep 21, 2026
A year ago: $3.173
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
7,706.03
β–Ό 58.61
Sep 23, 2026
A year ago: 6,656.92
Nasdaq Composite
26,936.04
β–Ό 308.24
Sep 23, 2026
VIX Volatility
14.21
β–Ό 0.66
Sep 22, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$96.41
β–Ό 0.56
Sep 22, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$84,379
24-hour price
Ethereum
$2,687.16
24-hour price

πŸ’± US Dollar Exchange Rates

European Central Bank reference rates for Sep 24, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.4117
Euro (EUR)0.8797
British Pound (GBP)0.7564
Japanese Yen (JPY)158.8500
Mexican Peso (MXN)17.5841

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 2026-09-25T07:00:02 US Eastern. Browse past days β†’