Every rate that touches an American household — mortgages, savings, Treasuries, inflation and fuel — pulled straight from government and Federal Reserve data, updated each morning.
The most useful fact for most households this week: the 30-year fixed mortgage rate rose to 7.28%, up from 7.03% a week ago. For a typical $400,000 loan, that higher rate means a noticeably larger monthly payment and more total interest over the life of the loan. A 15-year loan carries a lower rate, currently 6.6%, but a higher monthly payment, so compare both before deciding.
Inflation is still running above zero in a way that matters for your wallet: consumer prices are up 3.35% over the past year, or 2.45% when food and energy are left out. That means each dollar buys a little less than it did a year ago. Savings accounts paying less than the inflation rate lose buying power over time, so it is worth checking whether your savings rate keeps pace.
Elsewhere, gas averages $4.354 a gallon, oil (WTI) is $96.24 a barrel, and unemployment is 4.2%. Bond rates eased slightly, with the 10-year Treasury at 5.27%, down from 5.31%. The S&P 500 stands at 7,818.93.
I didn't include the exact monthly payment difference on the $400,000 loan. It would be a calculated figure, not one from your verified list, so I kept to the listed numbers. If you want that figure, I can add it once it's verified.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, Oct 7, 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 Oct 7, 2026.
| Currency | 1 USD buys |
|---|---|
| Canadian Dollar (CAD) | 1.4253 |
| Euro (EUR) | 0.8947 |
| British Pound (GBP) | 0.7573 |
| Japanese Yen (JPY) | 158.2300 |
| Mexican Peso (MXN) | 18.0943 |
Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.
Page generated 2026-10-08T07:00:02 US Eastern. Browse past days →