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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

15 Year Fixed Rate Mortgage Rates from 1986 - HSH.com

As the nation's largest publisher of mortgage information, HSH Associates surveyed mortgage lenders coast to coast every week for 35 years.

The 15-year fixed-rate mortgage rates shown here include both conforming and jumbo mortgages to give a true picture of the overall mortgage market.

We also offered average mortgage rates and points for over 100 metro markets; read more about our statistics.

These statistics are copyright © by HSH Associates, Financial Publishers. They may be copied and distributed provided you credit us with a valid and live link to HSH.com

Months JanFebMarAprMayJunJulAugSepOctNovDec
1996
Rates
Points
6.87
0.95
6.84
0.96
7.41
0.93
7.72
0.95
7.86
0.94
8.05
0.93
8.01
0.88
7.82
0.78
7.97
0.81
7.68
0.78
7.41
0.74
7.39
0.76
1995
Rates
Points
8.99
1.05
8.66
1.08
8.29
1.01
8.10
1.02
7.75
0.98
7.35
0.97
7.41
0.93
7.61
1.00
7.42
0.99
7.31
0.99
7.21
0.96
7.05
0.96
1990
Rates
Points
9.72
2.04
10.00
2.09
10.09
2.05
10.19
2.08
10.30
2.05
9.98
2.00
9.86
1.99
9.86
2.04
9.93
2.05
9.83
2.01
9.76
2.00
9.46
1.93
2004
Rates
Points
5.21
0.12
5.10
0.11
4.91
0.10
5.30
0.10
5.78
0.10
5.81
0.11
5.62
0.10
5.41
0.09
5.28
0.09
5.26
0.09
5.26
0.08
5.28
0.09
1987
Rates
Points
9.03
1.86
8.90
1.89
8.86
1.85
9.63
1.94
10.32
1.93
10.25
1.89
10.01
1.88
10.09
1.85
10.59
1.93
10.97
1.94
10.49
1.83
10.48
1.88
2000
Rates
Points
7.91
0.54
8.07
0.53
7.98
0.53
7.96
0.48
8.40
0.52
8.14
0.50
8.01
0.48
7.89
0.50
7.75
0.48
7.61
0.48
7.57
0.46
7.23
0.47
2002
Rates
Points
6.62
0.34
6.49
0.31
6.61
0.30
6.56
0.29
6.38
0.28
6.20
0.26
6.04
0.27
5.85
0.26
5.70
0.22
5.66
0.21
5.63
0.21
5.59
0.20
2010
Rates
Points
4.90
0.09
4.80
0.09
4.71
0.09
4.80
0.08
4.65
0.07
4.58
0.07
4.43
0.07
4.28
0.08
4.23
0.08
4.09
0.08
4.10
0.10
4.43
0.13
2003
Rates
Points
5.47
0.19
5.36
0.17
5.24
0.15
5.28
0.14
5.03
0.14
4.83
0.13
5.13
0.14
5.77
0.14
5.58
0.13
5.41
0.12
5.40
0.12
5.35
0.12
1999
Rates
Points
6.52
0.68
6.55
0.67
6.71
0.66
6.63
0.64
6.83
0.62
7.28
0.64
7.40
0.63
7.66
0.62
7.61
0.61
7.59
0.59
7.48
0.55
7.63
0.54
2009
Rates
Points
5.45
0.12
5.42
0.14
5.26
0.14
5.11
0.14
5.10
0.13
5.41
0.13
5.17
0.10
5.12
0.09
4.95
0.09
4.83
0.09
4.76
0.08
4.77
0.08
2008
Rates
Points
5.76
0.08
5.87
0.09
6.04
0.15
6.04
0.18
6.06
0.17
6.39
0.14
6.43
0.15
6.53
0.17
6.27
0.15
6.52
0.17
6.35
0.20
5.76
0.14
1992
Rates
Points
8.13
1.67
8.48
1.73
8.67
1.75
8.53
1.71
8.36
1.70
8.16
1.63
7.76
1.59
7.58
1.55
7.49
1.52
7.68
1.52
8.05
1.55
7.94
1.51
2011
Rates
Points
4.47
0.13
4.58
0.14
4.44
0.12
4.42
0.13
4.18
0.12
4.03
0.13
4.02
0.13
3.78
0.11
3.64
0.11
3.71
0.14
3.64
0.17
3.60
0.15
2007
Rates
Points
6.05
0.09
6.11
0.09
5.98
0.08
6.05
0.08
6.08
0.09
6.42
0.10
6.51
0.10
6.60
0.12
6.48
0.11
6.38
0.11
6.22
0.09
6.14
0.10
1988
Rates
Points
10.26
1.80
9.70
1.82
9.68
1.86
9.95
1.88
10.22
1.89
10.27
1.81
10.24
1.83
10.44
1.89
10.36
1.82
10.16
1.79
10.14
1.83
10.49
1.90
1989
Rates
Points
10.61
1.89
10.58
1.92
10.91
1.96
10.95
1.91
10.69
1.86
10.12
1.87
9.78
1.89
9.80
1.96
9.99
2.00
9.85
1.94
9.66
1.92
9.61
1.96
2013
Rates
Points
2.98
0.09
3.09
0.12
3.06
0.16
2.97
0.16
2.92
0.16
3.32
0.15
3.69
0.12
3.68
0.08
3.80
0.10
3.54
0.10
3.46
0.10
3.58
0.12
1998
Rates
Points
6.79
0.85
6.81
0.87
6.85
0.85
6.83
0.87
6.84
0.86
6.76
0.82
6.73
0.80
6.70
0.78
6.52
0.75
6.49
0.73
6.62
0.71
6.53
0.69
1991
Rates
Points
9.43
1.95
9.17
1.92
9.33
1.98
9.32
1.97
9.27
1.88
9.40
1.89
9.38
1.87
9.04
1.78
8.79
1.72
8.59
1.71
8.44
1.66
8.20
1.63
1997
Rates
Points
7.55
0.73
7.40
0.72
7.64
0.75
7.89
0.75
7.71
0.71
7.49
0.73
7.31
0.73
7.24
0.88
7.20
0.88
7.08
0.86
7.01
0.86
6.96
0.86
2001
Rates
Points
6.86
0.47
6.82
0.44
6.70
0.43
6.76
0.40
6.85
0.38
6.85
0.38
6.84
0.37
6.65
0.35
6.49
0.33
6.26
0.32
6.30
0.36
6.70
0.34
1994
Rates
Points
6.69
1.09
6.80
1.10
7.31
1.11
7.94
1.16
8.23
1.16
8.11
1.14
8.28
1.13
8.21
1.15
8.29
1.18
8.55
1.14
8.82
1.10
8.98
1.07
2006
Rates
Points
5.87
0.06
6.03
0.08
6.12
0.09
6.28
0.10
6.37
0.09
6.48
0.09
6.54
0.09
6.32
0.08
6.16
0.08
6.13
0.09
6.05
0.08
5.93
0.09
2012
Rates
Points
3.53
0.15
3.48
0.15
3.52
0.15
3.45
0.15
3.34
0.15
3.27
0.15
3.18
0.15
3.16
0.16
3.09
0.15
3.03
0.11
2.98
0.12
2.94
0.09
1986
Rates
Points
-
-
-
-
-
-
9.75
2.06
9.95
2.12
10.41
2.14
10.22
2.08
9.99
2.06
9.78
2.04
9.75
2.02
9.50
1.92
9.19
1.85
2005
Rates
Points
5.28
0.08
5.26
0.09
5.55
0.07
5.58
0.07
5.44
0.07
5.36
0.07
5.42
0.07
5.59
0.07
5.53
0.07
5.78
0.07
6.01
0.08
5.97
0.07
1993
Rates
Points
7.67
1.46
7.30
1.40
7.10
1.39
7.06
1.35
7.05
1.32
7.01
1.30
6.80
1.25
6.69
1.19
6.50
1.14
6.47
1.13
6.79
1.14
6.84
1.11
2014
Rates
Points
3.69
0.10
3.52
0.11
3.52
0.09
3.58
0.09
3.50
0.09
3.43
0.10
3.43
0.08
3.46
0.10
3.47
0.10
3.43
0.08
3.38
0.09
3.34
0.08
2015
Rates
Points
3.26
0.08
3.20
0.08
3.25
0.09
3.13
0.10
3.20
0.10
3.34
0.10
3.39
0.09
3.33
0.09
3.29
0.09
3.21
0.09
3.33
0.10
3.37
0.09
2016
Rates
Points
3.41
0.09
3.15
0.08
3.15
0.08
3.11
0.08
3.06
0.10
3.09
0.10
2.96
0.14
2.96
0.14
2.98
0.15
-
-
-
-
-
-

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