September 9, 2026

Mortgage Rates Today, September 9, 2026 (index as of Sep 8 close)

Daily index figures are Mortgage News Daily as of the September 8, 2026 close. The index posts each afternoon, so a morning update carries the prior business day.

By Brendin Straubel, NMLS #1757609 · All daily updates

Today’s index numbers

30-year fixed: 6.71% (+0.05 vs. prior week) — Freddie Mac Primary Mortgage Market Survey, latest survey dated September 3, 2026
15-year fixed: 6.04% (+0.06 vs. prior week) — Freddie Mac Primary Mortgage Market Survey, latest survey dated September 3, 2026
Daily rate index: 6.89% 30-year fixed (unchanged on the day) — Mortgage News Daily, as of September 8, 2026. The same reading showed the 15-year at 6.49%, FHA 30-year at 6.48%, VA 30-year at 6.50%, jumbo 30-year at 7.08% and the 7/6 ARM at 6.53%.
Mortgage applications: down 2.7% for the week ending September 4 — Mortgage Bankers Association weekly survey, released this morning. The MBA’s average 30-year contract rate rose to 6.85% from 6.79%, its highest level since last summer.
10-year Treasury: about 4.81% early Wednesday, after closing Tuesday near 4.81%, up about 2 basis points on the day.

These are national survey and index averages, not an offer.

What moved rates

Tuesday started well for bonds and ended badly. Early gains gave way to steady selling through the afternoon, and Mortgage News Daily described the market as tuned in to oil almost minute by minute. That connection got stronger overnight. After Iran fired ballistic missiles at a U.S. Navy warship, the U.S. military destroyed five Iranian tankers, and Jordan intercepted 18 Iranian missiles. West Texas Intermediate crude is up about 2.5% this morning to $95.39 and Brent has crossed $100 at $100.80.

For mortgage rates the mechanism is simple: oil at $100 raises the odds that headline inflation stops falling, and the Federal Reserve has already said it is watching exactly that. The Committee held its target range at 3.50%–3.75% in July on a 9–3 vote, with three members preferring a quarter-point increase. Friday’s strong jobs report gave those three more to work with. Now the two August inflation reports arrive on Thursday (producer prices, 8:30 a.m. Eastern) and Friday (consumer prices, 8:30 a.m.), and an energy shock in the background makes each of them harder to read as a one-off. The Fed meets September 15–16.

The daily 30-year index has held at 6.89% for three sessions, which is the calm before the data rather than a trend. Thursday also brings a new Freddie Mac survey at noon, the first weekly figure to reflect the post-jobs-report period, and this page will be updated when it publishes.

What it means if you are…

Buying. The MBA’s numbers this morning show what higher rates do to competition: applications fell 2.7% in a week when the survey rate reached its highest level since last summer. Fewer applicants means less pressure on sellers in most Florida markets, which can matter more to your monthly payment than a quarter-point of rate. Compare real offers against each other on the same day, using both rate and APR, and ask each lender how their pricing responds to Thursday and Friday’s releases.

Refinancing. Nothing in the last two days has improved the case for waiting, and an oil shock argues against expecting a quick reversal. The number worth having is your break-even: the month at which a lower payment repays what the loan costs to set up. If it works at today’s rates, the inflation data changes nothing; if it only works at a rate well below today’s, this week says that rate is not close. The refinance savings check on this site takes a few minutes.

Under contract. Two inflation reports land within 48 hours and a Fed meeting follows next week. Locking now removes the exposure to both prints; floating keeps the possibility that a soft CPI pulls rates off their highs, at the cost of being wrong if oil feeds through. Which fits depends on your closing date and how much a payment change would strain your budget. This is the week to have that conversation with whoever is handling your loan, ideally before 8:30 Thursday morning.

What a $400,000 loan looks like at today’s average

At 6.71% on a 30-year fixed, principal and interest on a $400,000 loan is approximately $2,584 per month (6.71% ÷ 12 = 0.559% monthly rate, over 360 payments). At the daily index reading of 6.89%, the same loan runs about $2,632 — roughly $48 more per month, or about $17,000 across the full term. These figures exclude property taxes, homeowners insurance, flood insurance, mortgage insurance and any association dues; the actual monthly obligation will be greater.

Florida note

Florida property appraisers mailed TRIM notices in August, and the deadline to petition your assessed value with the county Value Adjustment Board falls 25 days after the mailing date, which for most counties lands in the first half of September. This matters for buyers as much as owners: a home that changed hands this year loses its previous owner’s Save Our Homes cap and is reassessed at market value, so the tax line in your escrow estimate can be well above what the seller was paying. If you are under contract, ask your lender to qualify your payment on the post-sale assessment rather than the seller’s current bill, and if you closed earlier this year, check your notice before the petition window closes.

Rates shown could change or may not be available at commitment or closing. For a quote on your own scenario, use the rate-quote form on this page.

Daily Mortgage Rates is published by PMF, Inc. d/b/a Pioneer Mortgage Funding, NMLS #1980 · Branch NMLS #2681379 · Mortgage Loan Originator: Brendin Straubel, NMLS #1757609 · 401 E Jackson St, Suite 2340, Tampa, FL 33602 · 813-728-7764 · bstraubel@pmfmortgage.com. Verify licensing at nmlsconsumeraccess.org. Not a commitment to lend. All loans subject to credit approval.