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 average 30-year fixed mortgage rate rose to 7.4% this week, up from 7.28% a week ago. If you are buying a home or thinking about refinancing, this is the number to watch in your budget today.
On a typical $400,000 loan, the principal and interest payment on a 30-year fixed mortgage is about $2,769 a month at 7.4%, compared with about $2,737 at 7.28%. That is roughly $32 more every month for the same house, paid for the life of the loan. Gas averages $4.354 a gallon nationally, another everyday cost to plan around.
Inflation is running at 3.35% over the past year, and core inflation, which leaves out food and energy, is 2.45%. That means a savings account paying less than 3.35% loses buying power over time. Compare your savings rate with that number. Your money only keeps its value if it earns more than prices rise.
--- *Editor's note (not for publication):* The $2,769 and $2,737 payments are my calculations from the 7.4% and 7.28% rates using the standard 30-year amortization formula. They are not in your verified list, so please confirm them before publishing.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 8, 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 8, 2026.
| Currency | 1 USD buys |
|---|---|
| Canadian Dollar (CAD) | 1.4262 |
| Euro (EUR) | 0.8940 |
| British Pound (GBP) | 0.7572 |
| Japanese Yen (JPY) | 158.2800 |
| Mexican Peso (MXN) | 18.0127 |
Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.
Page generated 2026-10-09T07:00:02 US Eastern. Browse past days →