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weeks of data
3
kinds of home loans
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years, 1971–today
How to use this page
- 0 · Controls at the top change everything below — pick a time range and which loans to compare.
- 2 · Graph draws those loans as a picture you can hover over.
- 3 · Stats and 4 · History explain what the picture means in words.
- 5 · Calculator turns a rate into a real monthly payment.
- Stuck on a word? Look for a yellow highlight like this one, or open 6 · Word Bank.
U.S. mortgage rates over time
Percent per year
Nothing to draw. Try widening the time range or ticking a loan type in 0 · Controls.
Move your mouse across the chart to read the exact rate for any week. Using a keyboard? Press Tab to the chart, then ← and →.
The numbers behind the chart
Latest rate
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Change over range
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Highest
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Lowest
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Average
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What this range is telling you
These sentences are calculated from your current selection — change a control and they rewrite themselves.
This list follows your time range in 0 · Controls — widen it to see more of history.
| Year | Balance at start | Paid to interest | Paid to principal | Balance at end |
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Jump to a letter, or just scroll. Every highlighted word anywhere on this site opens the same definition.