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TruePITI
Benchmark Rates
30-Year Fixed6.710%|15-Year Fixed6.040%|30-Year FHA6.460%|30-Year VA6.210%|5/1 ARM6.210%|7/1 ARM6.340%|30-Year Jumbo7.210%|15-Year Jumbo6.710%|CA Avg6.650%|TX Avg6.700%|FL Avg6.700%|NY Avg6.680%|PA Avg6.690%|IL Avg6.730%|OH Avg6.750%|GA Avg6.680%|NC Avg6.670%|MI Avg6.740%|AZ Avg6.700%|WA Avg6.640%|30-Year Fixed6.710%|15-Year Fixed6.040%|30-Year FHA6.460%|30-Year VA6.210%|5/1 ARM6.210%|7/1 ARM6.340%|30-Year Jumbo7.210%|15-Year Jumbo6.710%|CA Avg6.650%|TX Avg6.700%|FL Avg6.700%|NY Avg6.680%|PA Avg6.690%|IL Avg6.730%|OH Avg6.750%|GA Avg6.680%|NC Avg6.670%|MI Avg6.740%|AZ Avg6.700%|WA Avg6.640%|

Research Center

Original research on how mortgages actually work, each study built on a named dataset, a stated methodology, published calculations and an explicit limitations section. If a number cannot be sourced or reproduced, it is not here.

Mortgage Rate Research

How a rate move of half a point reprices a payment and lifetime interest — and how state anchors sit around the national benchmark.

Mortgage Affordability Research

What home price the 28/36 rule supports at a range of incomes and rates.

Property Tax Research

Effective property-tax rates by state and what the spread costs on the same home.

Insurance Cost Research

How homeowners insurance and mortgage insurance land in a monthly payment.

PMI Research

What mortgage insurance costs by LTV band and how long it stays.

Rent vs Buy Research

Break-even sensitivity to rent, rate, appreciation and horizon.

Down Payment Research

The full 3%–30% ladder: cash required, PMI and lifetime cost.

Editorial standard. Every study states its research question, dataset, methodology, sources, calculations, findings and limitations, and carries a last-updated date and change history. Research is updated on a set schedule, not stamped with fake freshness. Questions or corrections: admin@truepiti.com.

Last updated: 2026-09-21.