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 September 27, 2026
📌 This is an archived snapshot from September 27, 2026. See today's current rates →

What today's numbers mean

The most important news for your wallet this week: mortgage rates jumped to 7.03%, up from 6.95% a week ago. On a $400,000 home loan, that 0.08% increase adds roughly $25 to your monthly payment—nearly $300 a year. If you've been on the fence about refinancing or buying, rates are moving higher.

Inflation remains sticky at 3.35% year-over-year, with core inflation at 2.45%. This matters because savings accounts and money market funds are earning less than actual inflation—meaning your savings are losing purchasing power. The Federal Reserve's rate is 3.88%, but banks aren't passing all of that to savers. You're falling behind if you're holding cash.

Employment stayed steady at 4.1% unemployment, but gas prices remain elevated at $4.48 a gallon, adding pressure to household budgets alongside higher borrowing costs. The broader stock market closed at 7,743 on the S&P 500, down slightly from recent highs.

🏠 Mortgage & Home Loans

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

30-Year Fixed
7.03%
▲ 0.08 pt
Week of Sep 24, 2026
A year ago: 6.30%
15-Year Fixed
6.42%
▲ 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 24, 2026
A year ago: 4.09%
SOFR
3.88%
▲ 0.01 pt
Sep 24, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
4.24%
Sep 25, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.87%
▲ 0.02 pt
Sep 24, 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.

4.04
1 Mo
4.24
3 Mo
4.33
6 Mo
4.50
1 Yr
4.81
2 Yr
4.94
3 Yr
4.98
5 Yr
5.06
7 Yr
5.17
10 Yr
5.54
20 Yr
5.49
30 Yr

US Treasury constant-maturity yields, Sep 25, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
5.18%
▲ 0.07 pt
Sep 24, 2026
A year ago: 4.16%
30-Year Treasury
5.47%
▲ 0.07 pt
Sep 24, 2026
10Y − 2Y Spread
0.36 pt
▲ 0.05 pt
Sep 25, 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)
3.4%
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 — the number the Fed watches.
Regular Gasoline
$4.478
▲ 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%

📊 Markets & Commodities

Where retirement accounts and fuel budgets get moved around.

S&P 500
7,743.41
▲ 39.28
Sep 25, 2026
A year ago: 6,604.72
Nasdaq Composite
27,068.72
▲ 129.35
Sep 25, 2026
VIX Volatility
14.21
▼ 0.66
Sep 22, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$96.41
▼ 0.56
Sep 22, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$84,416
24-hour price
Ethereum
$2,695.64
24-hour price

💱 US Dollar Exchange Rates

European Central Bank reference rates for Sep 25, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.4143
Euro (EUR)0.8770
British Pound (GBP)0.7546
Japanese Yen (JPY)157.5900
Mexican Peso (MXN)17.6989

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 2026-09-27T07:00:02 US Eastern. Browse past days →