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 30, 2026
📌 This is an archived snapshot from September 30, 2026. See today's current rates →

What today's numbers mean

Mortgage rates climbed to 7.03% on 30-year fixed loans this week, up from 6.95% a week ago. On a typical $400,000 home purchase, that increase means paying roughly $30 more per month than last week—about $360 extra per year, or roughly $10,800 more over the life of a 30-year loan. If you're shopping for a home now, this matters.

Inflation continues at 3.35% year-over-year, with core inflation (which excludes volatile food and energy) at 2.45%. This matters for savers: your cash loses purchasing power when savings account rates fall below inflation. The federal funds rate sits at 3.88%, the rate the Fed uses to guide other interest rates throughout the economy.

Unemployment stands at 4.1%. Gas prices remain near $4.47 per gallon. The stock market, measured by the S&P 500 at 7,683 and the Nasdaq at 26,820, continues without major shifts today.

🏠 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 28, 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 28, 2026
A year ago: 4.09%
SOFR
3.90%
unchanged
Sep 28, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
4.25%
Sep 29, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.92%
▲ 0.11 pt
Sep 28, 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
4.25
3 Mo
4.36
6 Mo
4.58
1 Yr
4.89
2 Yr
4.98
3 Yr
5.06
5 Yr
5.16
7 Yr
5.26
10 Yr
5.64
20 Yr
5.59
30 Yr

US Treasury constant-maturity yields, Sep 29, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
5.24%
▲ 0.07 pt
Sep 28, 2026
A year ago: 4.15%
30-Year Treasury
5.56%
▲ 0.07 pt
Sep 28, 2026
10Y − 2Y Spread
0.37 pt
▲ 0.05 pt
Sep 29, 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
$4.465
▼ 0.013
Week of Sep 28, 2026
A year ago: $3.118
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
7,683.69
▼ 59.72
Sep 28, 2026
A year ago: 6,661.21
Nasdaq Composite
26,820.38
▼ 248.34
Sep 28, 2026
VIX Volatility
16.07
▲ 1.20
Sep 28, 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
—
24-hour price
Ethereum
—
24-hour price

💱 US Dollar Exchange Rates

European Central Bank reference rates for Sep 29, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.4180
Euro (EUR)0.8807
British Pound (GBP)0.7549
Japanese Yen (JPY)157.1200
Mexican Peso (MXN)17.8970

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 2026-09-30T07:00:01 US Eastern. Browse past days →