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 October 23, 2026
What today's numbers mean
The average 30-year fixed mortgage rate stands at 7.32%, while the 15-year sits at 6.68%. The Federal Reserve's effective funds rate is 3.88% and the prime rate is 7.0%.
Consumer prices are running 3.72% higher than a year ago. Regular gasoline averages $4.284 per gallon nationwide.
🏠 Mortgage & Home Loans
National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.
30-Year Fixed
7.32%
▼ 0.08 pt
Week of Oct 22, 2026
A year ago: 6.19%
15-Year Fixed
6.68%
▼ 0.03 pt
Week of Oct 22, 2026
A year ago: 5.44%
Bank Prime Rate
7.00%
unchanged
As of Oct 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
Oct 21, 2026
A year ago: 4.11%
SOFR
3.88%
unchanged
Oct 21, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
4.22%
Oct 22, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.81%
▲ 0.02 pt
Oct 21, 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.
US Treasury constant-maturity yields, Oct 22, 2026. Source: U.S. Department of the Treasury.
10-Year Treasury
5.13%
▲ 0.01 pt
Oct 21, 2026
A year ago: 3.98%
30-Year Treasury
5.42%
unchanged
Oct 21, 2026
10Y − 2Y Spread
0.31 pt
▼ 0.01 pt
Oct 22, 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)
3.7%
Data through Sep 1, 2026
How much more the same basket of goods costs than a year ago.
Core CPI (YoY)
2.6%
Data through Sep 1, 2026
Strips out food and energy — the number the Fed watches.
Regular Gasoline
$4.284
▼ 0.047
Week of Oct 19, 2026
A year ago: $3.019
Unemployment Rate
4.2%
▲ 0.1 pt
Sep 1, 2026
A year ago: 4.4%
📊 Markets & Commodities
Where retirement accounts and fuel budgets get moved around.
S&P 500
7,757.17
▲ 44.60
Oct 21, 2026
A year ago: 6,735.35
Nasdaq Composite
26,702.86
▲ 278.04
Oct 21, 2026
VIX Volatility
16.68
▼ 0.63
Oct 21, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$107.89
▼ 2.12
Oct 20, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$81,306
24-hour price
Ethereum
$2,386.57
24-hour price
💱 US Dollar Exchange Rates
European Central Bank reference rates for Oct 22, 2026.
| Currency | 1 USD buys |
|---|
| Canadian Dollar (CAD) | 1.4034 |
| Euro (EUR) | 0.8925 |
| British Pound (GBP) | 0.7476 |
| Japanese Yen (JPY) | 157.0500 |
| Mexican Peso (MXN) | 18.7613 |
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.
- Mortgage rates — Freddie Mac Primary Mortgage Market Survey, via the Federal Reserve Bank of St. Louis (FRED)
- Fed funds, prime, SOFR, CPI, unemployment, oil, stock indexes — Federal Reserve Bank of St. Louis (FRED)
- Treasury yield curve — U.S. Department of the Treasury daily par yield curve
- Gasoline prices — U.S. Energy Information Administration weekly retail survey, via FRED
- Exchange rates — European Central Bank reference rates
- Cryptocurrency — CoinGecko
Page generated 2026-10-23T07:00:02 US Eastern. Browse past days →