Updated: 2026/10/08
20-Year Mortgage Rates Today
This 20 year mortgage rate is a result of interpolation calculation of standard periods: 30 and 15 years. Standard averaged rates are calculated based on Freddie Mac's Weekly Mortgage Market Survey.
20-year mortgage rate for the last 4 weeks below.
| Date | Rate |
|---|---|
| 2026/10/08 | 6.95 |
| 2026/10/01 | 6.83 |
| 2026/9/24 | 6.62 |
| 2026/9/17 | 6.49 |
| 2026/9/10 | 6.31 |
10 Year Mortgage Rates Today And Forecast.
20-Year Mortgage Rates Forecast For Next Weeks
This table shows the forecasted 20-year mortgage rates for the upcoming weeks. Each row represents a week and includes the date, the ahead time (in weeks), the low rate, the high rate, and the average rate. The low and high rates represent the range of possible mortgage rates for that week, while the average rate represents the forecasted mortgage rate for that week. The mortgage rates can have a significant impact on the housing market.
| Date | Ahead | Low | High | Rate |
|---|---|---|---|---|
| 10/15 | 1W | 6.86 | 7.28 | 7.07 |
| 10/22 | 2W | 7.07 | 7.51 | 7.29 |
| 10/29 | 3W | 7.22 | 7.66 | 7.44 |
| 11/05 | 4W | 7.42 | 7.88 | 7.65 |
| 11/12 | 5W | 7.48 | 7.94 | 7.71 |
| 11/19 | 6W | 7.54 | 8.00 | 7.77 |
| 11/26 | 7W | 7.58 | 8.04 | 7.81 |
| 12/03 | 8W | 7.55 | 8.01 | 7.78 |
| 12/10 | 9W | 7.50 | 7.96 | 7.73 |
| 12/17 | 10W | 7.49 | 7.95 | 7.72 |
| 12/24 | 11W | 7.59 | 8.05 | 7.82 |
| 12/31 | 12W | 7.62 | 8.10 | 7.86 |
| 01/07 | 13W | 7.75 | 8.23 | 7.99 |
| 01/14 | 14W | 7.80 | 8.28 | 8.04 |
| 01/21 | 15W | 7.72 | 8.20 | 7.96 |
20-year mortgage rate predictions for next week. The maximum mortgage rate is expected to be 7.28%, while the minimum is 6.86%. The average rate is 7.07%, which is +0.12 points to today's value.
20-year rate forecast for October 22.
The maximum mortgage rate is expected to be 7.51%, while the minimum is 7.07%. The average rate is 7.29%, which is +0.34 points to today's value.
10 Year Mortgage Rates Today And Forecast.
20-year mortgage rate predictions for October 29.
The maximum mortgage rate is expected to be 7.66%, while the minimum is 7.22%. The average rate is 7.44%, which is +0.49 points to today's value.
20-year rate forecast for November 5.
The maximum mortgage rate is expected to be 7.88%, while the minimum is 7.42%. The average rate is 7.65%, which is +0.70 points to today's value.
20-year mortgage rate predictions for November 12.
The maximum mortgage rate is expected to be 7.94%, while the minimum is 7.48%. The average rate is 7.71%, which is +0.76 points to today's value.
20-year rate forecast for November 19.
The maximum mortgage rate is expected to be 8.00%, while the minimum is 7.54%. The average rate is 7.77%, which is +0.82 points to today's value.
20-year mortgage rate predictions for November 26.
The maximum mortgage rate is expected to be 8.04%, while the minimum is 7.58%. The average rate is 7.81%, which is +0.86 points to today's value.
20-year rate forecast for December 3.
The maximum mortgage rate is expected to be 8.01%, while the minimum is 7.55%. The average rate is 7.78%, which is +0.83 points to today's value.
20-year mortgage rate predictions for December 10.
The maximum mortgage rate is expected to be 7.96%, while the minimum is 7.50%. The average rate is 7.73%, which is +0.78 points to today's value.
20-year rate forecast for December 17.
The maximum mortgage rate is expected to be 7.95%, while the minimum is 7.49%. The average rate is 7.72%, which is +0.77 points to today's value.
20-year mortgage rate predictions for December 24.
The maximum mortgage rate is expected to be 8.05%, while the minimum is 7.59%. The average rate is 7.82%, which is +0.87 points to today's value.
20-year rate forecast for December 31.
The maximum mortgage rate is expected to be 8.10%, while the minimum is 7.62%. The average rate is 7.86%, which is +0.91 points to today's value.
20-year mortgage rate predictions for January 7.
The maximum mortgage rate is expected to be 8.23%, while the minimum is 7.75%. The average rate is 7.99%, which is +1.04 points to today's value.
20-year rate forecast for January 14.
The maximum mortgage rate is expected to be 8.28%, while the minimum is 7.80%. The average rate is 8.04%, which is +1.09 points to today's value.
20-year mortgage rate predictions for January 21.
The maximum mortgage rate is expected to be 8.20%, while the minimum is 7.72%. The average rate is 7.96%, which is +1.01 points to today's value.
20-Year Mortgage Rates Predictions For 2026, 2027 And 2028
| Month | Low-High | Close | Total,% |
|---|---|---|---|
| 2026 | |||
| Oct | 6.95-7.66 | 7.44 | 0.0% |
| Nov | 7.44-8.04 | 7.81 | 5.0% |
| Dec | 7.62-8.10 | 7.86 | 5.6% |
| 2027 | |||
| Jan | 7.76-8.24 | 8.00 | 7.5% |
| Feb | 7.72-8.20 | 7.96 | 7.0% |
| Mar | 7.87-8.35 | 8.11 | 9.0% |
| Apr | 7.60-8.11 | 7.84 | 5.4% |
| May | 7.84-8.36 | 8.12 | 9.1% |
| Jun | 7.74-8.22 | 7.98 | 7.3% |
| Jul | 7.65-8.13 | 7.89 | 6.0% |
| Aug | 7.58-8.04 | 7.81 | 5.0% |
| Sep | 7.59-8.05 | 7.82 | 5.1% |
| Oct | 7.69-8.17 | 7.93 | 6.6% |
| Nov | 7.31-7.93 | 7.54 | 1.3% |
| Dec | 7.07-7.54 | 7.29 | -2.0% |
| 2028 | |||
| Jan | 7.02-7.46 | 7.24 | -2.7% |
| Feb | 6.96-7.40 | 7.18 | -3.5% |
| Mar | 6.95-7.39 | 7.17 | -3.6% |
| Apr | 6.89-7.31 | 7.10 | -4.6% |
| May | 6.67-7.10 | 6.88 | -7.5% |
| Jun | 6.45-6.88 | 6.65 | -10.6% |
| Jul | 6.65-7.07 | 6.86 | -7.8% |
| Aug | 6.59-6.99 | 6.79 | -8.7% |
| Sep | 6.66-7.08 | 6.87 | -7.7% |
20-year mortgage rate predictions for October 2026.
Maximum interest rate 7.66%, minimum 6.95%. The average for the month 7.37%. The mortgage rate forecast at the end of the month 7.44%.
20-year rate forecast for November 2026.
Maximum interest rate 8.04%, minimum 7.44%. The average for the month 7.68%. The mortgage rate forecast at the end of the month 7.81%.
20-year mortgage rate predictions for December 2026.
Maximum interest rate 8.10%, minimum 7.62%. The average for the month 7.85%. The mortgage rate forecast at the end of the month 7.86%.
20-year rate forecast for January 2027.
Maximum interest rate 8.24%, minimum 7.76%. The average for the month 7.97%. The mortgage rate forecast at the end of the month 8.00%.
20-year mortgage rate predictions for February 2027.
Maximum interest rate 8.20%, minimum 7.72%. The average for the month 7.97%. The mortgage rate forecast at the end of the month 7.96%.
20-year rate forecast for March 2027.
Maximum interest rate 8.35%, minimum 7.87%. The average for the month 8.07%. The mortgage rate forecast at the end of the month 8.11%.
20-year mortgage rate predictions for April 2027.
Maximum interest rate 8.11%, minimum 7.60%. The average for the month 7.92%. The mortgage rate forecast at the end of the month 7.84%.
20-year rate forecast for May 2027.
Maximum interest rate 8.36%, minimum 7.84%. The average for the month 8.04%. The mortgage rate forecast at the end of the month 8.12%.
20-year mortgage rate predictions for June 2027.
Maximum interest rate 8.22%, minimum 7.74%. The average for the month 8.02%. The mortgage rate forecast at the end of the month 7.98%.
20-year rate forecast for July 2027.
Maximum interest rate 8.13%, minimum 7.65%. The average for the month 7.91%. The mortgage rate forecast at the end of the month 7.89%.
20-year mortgage rate predictions for August 2027.
Maximum interest rate 8.04%, minimum 7.58%. The average for the month 7.83%. The mortgage rate forecast at the end of the month 7.81%.
20-year rate forecast for September 2027.
Maximum interest rate 8.05%, minimum 7.59%. The average for the month 7.82%. The mortgage rate forecast at the end of the month 7.82%.
20-year mortgage rate predictions for October 2027.
Maximum interest rate 8.17%, minimum 7.69%. The average for the month 7.90%. The mortgage rate forecast at the end of the month 7.93%.
20-year rate forecast for November 2027.
Maximum interest rate 7.93%, minimum 7.31%. The average for the month 7.68%. The mortgage rate forecast at the end of the month 7.54%.
20-year mortgage rate predictions for December 2027.
Maximum interest rate 7.54%, minimum 7.07%. The average for the month 7.36%. The mortgage rate forecast at the end of the month 7.29%.
20-year rate forecast for January 2028.
Maximum interest rate 7.46%, minimum 7.02%. The average for the month 7.25%. The mortgage rate forecast at the end of the month 7.24%.
20-year mortgage rate predictions for February 2028.
Maximum interest rate 7.40%, minimum 6.96%. The average for the month 7.20%. The mortgage rate forecast at the end of the month 7.18%.
20-year rate forecast for March 2028.
Maximum interest rate 7.39%, minimum 6.95%. The average for the month 7.17%. The mortgage rate forecast at the end of the month 7.17%.
20-year mortgage rate predictions for April 2028.
Maximum interest rate 7.31%, minimum 6.89%. The average for the month 7.12%. The mortgage rate forecast at the end of the month 7.10%.
20-year rate forecast for May 2028.
Maximum interest rate 7.10%, minimum 6.67%. The average for the month 6.94%. The mortgage rate forecast at the end of the month 6.88%.
20-year mortgage rate predictions for June 2028.
Maximum interest rate 6.88%, minimum 6.45%. The average for the month 6.72%. The mortgage rate forecast at the end of the month 6.65%.
20-year rate forecast for July 2028.
Maximum interest rate 7.07%, minimum 6.65%. The average for the month 6.81%. The mortgage rate forecast at the end of the month 6.86%.
20-year mortgage rate predictions for August 2028.
Maximum interest rate 6.99%, minimum 6.59%. The average for the month 6.81%. The mortgage rate forecast at the end of the month 6.79%.
20-year rate forecast for September 2028.
Maximum interest rate 7.08%, minimum 6.66%. The average for the month 6.85%. The mortgage rate forecast at the end of the month 6.87%.
How is the 20-year mortgage rate forecast important for homebuyers?
The 20-year mortgage rate is an important factor for homebuyers who want to balance lower monthly payments with the ability to pay off their mortgage more quickly than with a 30-year mortgage. A 20-year mortgage typically has lower monthly payments than a 15-year mortgage, making it a more affordable option for many homebuyers. However, the shorter loan term means that borrowers will pay less interest over the life of the loan than with a 30-year mortgage, allowing them to save money in interest payments. Additionally, a lower interest rate on a 20-year mortgage can make it more affordable for homebuyers to purchase a more expensive home. The 20-year mortgage rate can also be a good option for borrowers who want to pay off their mortgage before retirement, while still having lower monthly payments than with a 15-year mortgage. Therefore, the 20-year mortgage rate forecast is an important factor for homebuyers to consider when determining the affordability and overall cost of their mortgage.
The rates and forecast are updated weekly (Thursdays).
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