Mortgage Data & Statistics 2026
Current market data, rates, and housing statistics. Free for journalists, researchers, and content creators to cite. Updated weekly from Freddie Mac PMMS and Federal Reserve data.
📝 How to Cite This Data
Source: TruePITI, truepiti.com/data. Data sourced from Freddie Mac Primary Mortgage Market Survey® and Federal Reserve Economic Data (FRED). Updated 2026-10-31.
National Mortgage Snapshot
Mortgage Data by State
| State | 30yr Rate | Median Home Price | Property Tax | YoY Change | Details |
|---|---|---|---|---|---|
| California | 7.32% | $759,500 | 0.71% | +4.2% | View → |
| Texas | 7.32% | $313,200 | 1.31% | +3.8% | View → |
| Florida | 7.32% | $396,900 | 0.75% | +5.1% | View → |
| New York | 7.32% | $449,800 | 1.45% | +2.9% | View → |
| Illinois | 7.32% | $280,700 | 1.92% | +3.1% | View → |
| Ohio | 7.32% | $239,800 | 1.22% | +4.0% | View → |
| Georgia | 7.32% | $343,300 | 0.74% | +4.5% | View → |
| North Carolina | 7.32% | $333,000 | 0.61% | +5.3% | View → |
| Michigan | 7.32% | $254,200 | 1.18% | +3.5% | View → |
| Pennsylvania | 7.32% | $277,600 | 1.16% | +3.2% | View → |
* Data for top 10 most populous US states.
Complete 50-State Mortgage Data
Click to expand all 50 states▼
| State | Rate | Home Price | Tax |
|---|---|---|---|
| Alabama | 7.32% | $233,300 | 0.38% |
| Alaska | 7.32% | $376,500 | 1.06% |
| Arizona | 7.32% | $426,000 | 0.43% |
| Arkansas | 7.32% | $215,600 | 0.52% |
| California | 7.32% | $759,500 | 0.71% |
| Colorado | 7.32% | $574,600 | 0.49% |
| Connecticut | 7.32% | $396,900 | 1.66% |
| Delaware | 7.32% | $371,600 | 0.47% |
| Florida | 7.32% | $396,900 | 0.75% |
| Georgia | 7.32% | $343,300 | 0.74% |
| Hawaii | 7.32% | $875,900 | 0.27% |
| Idaho | 7.32% | $446,400 | 0.43% |
| Illinois | 7.32% | $280,700 | 1.92% |
| Indiana | 7.32% | $243,500 | 0.74% |
| Iowa | 7.32% | $227,300 | 1.29% |
| Kansas | 7.32% | $238,700 | 1.25% |
| Kentucky | 7.32% | $226,000 | 0.71% |
| Louisiana | 7.32% | $223,200 | 0.53% |
| Maine | 7.32% | $341,900 | 0.91% |
| Maryland | 7.32% | $436,300 | 0.95% |
| Massachusetts | 7.32% | $607,400 | 1% |
| Michigan | 7.32% | $254,200 | 1.18% |
| Minnesota | 7.32% | $344,600 | 1.02% |
| Mississippi | 7.32% | $186,500 | 0.65% |
| Missouri | 7.32% | $254,400 | 0.79% |
| Montana | 7.32% | $425,400 | 0.69% |
| Nebraska | 7.32% | $263,100 | 1.42% |
| Nevada | 7.32% | $455,500 | 0.47% |
| New Hampshire | 7.32% | $458,800 | 1.46% |
| New Jersey | 7.32% | $496,000 | 1.89% |
| New Mexico | 7.32% | $279,900 | 0.63% |
| New York | 7.32% | $449,800 | 1.45% |
| North Carolina | 7.32% | $333,000 | 0.61% |
| North Dakota | 7.32% | $266,100 | 0.96% |
| Ohio | 7.32% | $239,800 | 1.22% |
| Oklahoma | 7.32% | $222,100 | 0.75% |
| Oregon | 7.32% | $497,500 | 0.78% |
| Pennsylvania | 7.32% | $277,600 | 1.16% |
| Rhode Island | 7.32% | $455,700 | 1.07% |
| South Carolina | 7.32% | $299,500 | 0.45% |
| South Dakota | 7.32% | $289,600 | 1.02% |
| Tennessee | 7.32% | $332,600 | 0.45% |
| Texas | 7.32% | $313,200 | 1.31% |
| Utah | 7.32% | $545,200 | 0.49% |
| Vermont | 7.32% | $352,800 | 1.42% |
| Virginia | 7.32% | $403,500 | 0.71% |
| Washington | 7.32% | $602,200 | 0.79% |
| West Virginia | 7.32% | $170,800 | 0.52% |
| Wisconsin | 7.32% | $294,700 | 1.25% |
| Wyoming | 7.32% | $339,500 | 0.57% |
About Our Data
TruePITI provides free mortgage calculators and educational content. Our platform:
- •Has powered 100,000+ mortgage calculations
- •Offers 20+ free calculators (mortgage, refinance, affordability, DTI, PMI, and more)
- •Covers all 50 US states + 40 major cities
- •Supports 4 loan types: Conventional, FHA, VA, USDA
- •Data sourced from Freddie Mac PMMS, FRED, Census Bureau, HUD
- •Updated weekly with current market rates
Dataset provenance
Every dataset on this page documents where its numbers come from, how often they refresh, how they are normalized, what they cover, and where they fall short.
Mortgage rates
- Source
- Freddie Mac Primary Mortgage Market Survey (PMMS)
- Data date
- 2026-10-31
- Refresh
- Weekly (Thursdays)
- Method
- PMMS national average (2026-10-22 release) of 30-year and 15-year fixed-rate mortgages; FHA, jumbo and ARM rates from the MBA Weekly Applications Survey. No state-level rate survey exists, so state pages show the national 30-year average.
- Coverage
- National + all 50 states
- Limitations
- A national/state average, not a lender quote. Your rate depends on credit, LTV, points and lender.
Home prices
- Source
- U.S. Census Bureau, ACS 2024 1-year (table B25077)
- Data date
- 2026-10-31
- Refresh
- Monthly–quarterly
- Method
- State median home value aggregated from metro series; rounded.
- Coverage
- 50 states + 40 major metros
- Limitations
- Metro/state level — not ZIP-specific; local variation can be large.
Property tax
- Source
- ATTOM 2026 Property Tax Analysis · Census Bureau
- Data date
- 2026-10-31
- Refresh
- Annual
- Method
- Effective rate = total property tax ÷ home value for the state.
- Coverage
- 50 states
- Limitations
- Effective rates shift by county and reassessment cycle; state averages hide intra-state spread.
Mortgage insurance (PMI)
- Source
- TruePITI conventional pricing matrix
- Data date
- 2026-10-31
- Refresh
- As pricing tiers change
- Method
- Annual MI rate = LTV band × credit band matrix; charged until the balance reaches 80% LTV.
- Coverage
- Conventional loans (good-credit band illustrated)
- Limitations
- One representative band — actual MI varies by lender and insurer; FHA/VA/USDA follow different rules.
Calculator outputs
- Source
- TruePITI amortization engine (single source)
- Data date
- 2026-10-31
- Refresh
- Continuous (live on input)
- Method
- Standard fixed-rate amortization, P·r(1+r)^n / [(1+r)^n − 1], unit-tested against golden vectors.
- Coverage
- Any user inputs
- Limitations
- No ARMs, points/buydowns, or tax deductions; estimates only.
Effective property-tax rate — highest 12 states
Effective rate = total property tax ÷ home value. Bars are scaled to the highest state shown. Cite as: TruePITI, truepiti.com/data (2026-10-31).
Median home price — highest 12 states
State median home value. Bars are scaled to the highest state shown. Cite as: TruePITI, truepiti.com/data (2026-10-31).
How to read this data
Rates and prices move in different rhythms: mortgage rates reset weekly with the PMMS survey, home prices monthly-to-quarterly, and effective property-tax rates once a year. Comparing a weekly rate against an annual tax rate is fine for a monthly-payment estimate — but do not read a one-week rate move as a trend.
The most useful comparison is within a column, not across columns: a state with a 2% effective property tax pays roughly five times the annual tax of a 0.4% state on the same home value. That gap often outweighs a tenth of a point in rate.
Data Sources & Methodology
Mortgage rates: Freddie Mac Primary Mortgage Market Survey® (PMMS, released 2026-10-22) and MBA Weekly Applications Survey (week ending 2026-10-17).
Home prices: U.S. Census Bureau, American Community Survey 2024 1-year, table B25077 (median value of owner-occupied housing units).
Property taxes: ATTOM Data Solutions 2026 Property Tax Analysis, Census Bureau Annual Survey of State and Local Government Finances.
Calculator algorithms: Standard amortization formula (P × [r(1+r)^n] / [(1+r)^n − 1]), compliant with CFPB guidelines.
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