30-Year Mortgage Rate vs. 10-Year Treasury Note

Monthly Averages (percent)  ·  January 2000 – September 2026  ·  Spread = 30-Year Mortgage − 10-Year Treasury

30-Year Fixed Mortgage Rate
10-Year Treasury Yield
Spread (Mortgage − Treasury)
Latest Month
30-Year Mortgage
6.67%
2026-08
Prior Month Mortgage
6.54%
2026-07
10-Year Treasury
4.79%
2026-09
Prior Month 10-Year
4.68%
2026-08
Spread
1.99
2026-08
Spread Since January 2000
Average Spread
1.89
2000 – 2026-09
Widest Spread
2.96
2023-06
Narrowest Spread
1.24
2010-03
Mortgage High
8.51%
2000-05
Mortgage Low
2.68%
2020-12