The highest mortgage rates in history hit 18.63% in 1981. See what caused them, how buyers coped, and whether such rates could return in today’s market.

Explore mortgage rates history since 1970, from 18% peaks in the 1980s to pandemic-era lows. See how Fed policy, inflation, and crises shaped today’s market.

Mortgage rates by year tell a wild story — from 18% in 1981 to 2.65% in 2020. See the key turning points and where 30-year rates stand today.

Explore mortgage rate trends over the years, from 1981’s 16% peak to record lows in 2020 and today’s 7% reality, and see what history suggests for your next mortgage decision.

What’s driving mortgage rates and housing market trends in 2026? From inventory shifts to refinance demand, here’s a grounded look at what matters for buyers and homeowners.

Mortgage rates vs federal funds rate: they’re linked but not the same. Learn how Fed policy influences your loan rate and where it really comes from.