The average 30-year fixed mortgage rate this week ranges from 6.04% in Detroit and Boston to 6.48% in Washington, D.C. The 30-year fixed mortgages in this week’s survey had an average total of 0.33 discount and origination points. Discount points are a way to lower your mortgage rate, while origination points are fees lenders charge to create, review and process your loan. The national median family income for 2025 was $104,200, according to the U.S. Department of Housing and Urban Development (the 2026 estimate has yet to be released), and the median price of an existing home sold in January 2026 was $396,800, according to the National Association of Realtors. Based on a 20% down payment and a 6.10% mortgage rate, the monthly principal and interest payment of $1,924 amounts to about 22% of the typical family’s monthly income.

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