Mortgage rates change daily and can vary based on your loan details. Use the quick form below to request a personalized quote and compare the rate, APR, points, fees and loan terms.
Latest national mortgage rate benchmark
As of October 29, 2026: Freddie Mac reported a 30-year fixed-rate average of 7.24% and a 15-year fixed-rate average of 6.60%. The 30-year average declined from 7.32% on October 22 and 7.40% on October 15. A year earlier, the averages were 6.17% and 5.41%, respectively.
These are national survey averages for conventional conforming purchase loans with 20% down and excellent credit. They are not UtahLowRate quotes or a promise of a rate available to every borrower. Your pricing depends on credit, down payment, loan amount, occupancy, property, points, fees and lock period. See Freddie Mac’s Primary Mortgage Market Survey.
Utah home price and inventory update
The latest Utah Association of REALTORS® report available as of October 29 covers September 2026. Utah’s statewide median sale price was $530,000, up 1.9% from $520,000 a year earlier. Inventory rose 3.6% to 17,528 homes, and supply reached 4.7 months. More available homes may give buyers additional options, but conditions and negotiating room vary by neighborhood and property.
In Salt Lake City, Realtor.com reported a September median list price of $564,950, down 3.6% year over year, with active listings up 14.1%. This is a listing-price measure, so it is not directly comparable to Utah’s closed-sale median.
View the Utah Association of REALTORS® September 2026 statistics · Read Realtor.com’s Salt Lake City September report.
Market data last reviewed October 29, 2026. Rate and housing statistics are dated snapshots and may change. Ask for a personalized mortgage quote based on your transaction. Loan approval, rates and terms are subject to lender guidelines, property eligibility and underwriting.
