Calculator
Mortgage payment
Prefills the desk 30-year average of 6.95% from Freddie Mac, week ending Sept. 17, 2026. Change the rate to a posted lender figure from the mortgage board.
Estimated monthly
$2,667
P&I + taxes + insurance + HOA + PMI
Principal & interest
$2,175
Loan amount
$328,560
Down payment
$82,140
Lifetime interest
$454,403
No PMI at a 20%+ down payment.
Questions people type into Google
- What is the 30-year mortgage rate today?
- Freddie Mac’s survey printed 6.95% for the week ending September 17, 2026, up 19 basis points from the prior week. Posted lender rates on the mortgage board still range from about 5.99% to 7.25%.
- How is the monthly payment calculated?
- Standard amortizing formula on the loan amount. Property tax and insurance are divided by 12. PMI is estimated at 0.55% of the loan per year when the down payment is under 20%.
- Does this include closing costs?
- No. Use the refinance calculator if you are comparing a new loan’s closing costs against payment savings.
Related tools
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- Auto loanPayment, interest, and total cost by credit tier using Q2 2026 APRs.
- Refinance break-evenMonths to recoup closing costs against today’s 30-year rate.
- Stay or refinanceHonest verdict if you locked near 3% versus today’s 30-year average.