Every rate that touches an American household — mortgages, savings, Treasuries, inflation and fuel — pulled straight from government and Federal Reserve data, updated each morning.
Mortgage rates jumped to 7.28% this week from 7.03%—the single most relevant market move for household finances. On a typical $400,000 home loan, that quarter-point increase adds roughly $50 to your monthly payment, or $600 per year. If you're shopping or refinancing, this timing costs money.
Inflation remains elevated at 3.35% year-over-year, though core inflation is lower at 2.45%. Your savings account is still earning less than inflation is eroding your purchasing power. The Fed's funds rate sits at 3.88%, and unemployment is steady at 4.2%, suggesting the economy isn't in crisis—but it's not accelerating either. Gas prices hold at $4.47 per gallon.
Bond markets are signaling caution: the 10-year Treasury yield fell to 5.24%, and the spread between long and short-term bonds narrowed. Stock markets are stable with the S&P 500 at 7,666. The message is mixed: growth is slowing, rates may have peaked, but housing and borrowing just got more expensive this week.
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 2, 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 2, 2026.
| Currency | 1 USD buys |
|---|---|
| Canadian Dollar (CAD) | 1.4240 |
| Euro (EUR) | 0.8909 |
| British Pound (GBP) | 0.7575 |
| Japanese Yen (JPY) | 157.6700 |
| Mexican Peso (MXN) | 18.3350 |
Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.
Page generated 2026-10-03T07:00:02 US Eastern. Browse past days →