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1 Year ARM Graph

This is a graph of combined average interest rates for 1-year Adjustable Rate Mortgages over the last six months, derived from data gathered as part of HSH's editorial surveys. The weekly 1-year ARM data that populates this graph of average rates can be seen in HSH's Statistical Release; fresh daily updates to the average for the 1-year ARM can be found on our page of today's mortgage rates.

One-year ARMs were once the king of all ARMs, popular with homebuyers and refinancers alike. However, ARMs with high-frequency rate changes have fallen out of favor in the housing market, as periods of rising interest rates tend to make these loans expensive in just a short while; such ARMs are more popular when interest rates are relatively high and have some space to adjust downward. In recent times, consumers have expressed a preference for loans with an initial fixed rate of at least a few years over this more fully-floating variety.

For a longer review of rates, see our three-year trend graph of 1-year adjustable rate mortgages.

These combined averages give a realistic picture of local mortgage markets, particularly important in high-cost areas.

Available Statistics Series
  • Hybrid ARM statistics, conforming (more info)
  • Hybrid ARM statistics, jumbo
  • FRM first-mortgage statistics, conforming
  • FRM first-mortgage statistics, jumbo
  • FHA 30-year FRM statistics
  • TCM- and LIBOR-based ARM statistics
  • Home Equity Line-of-credit statistics
  • Home Equity Loan (single disbursement) statistics
  • New Auto Loan statistics
  • Used Auto Loan statistics
Click here for more information

Legacy data formerly found in the HSH Statistical Release tables can be found here.

Conforming, Jumbo and FHA data series are available via data license.

Click here for combined statistics on various metropolitan areas.

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