Mortgage and refinance interest rates today, October 8, 2025: The 30-year fixed rate keeps inching down

Mortgage rates have decreased on some terms today and increased on others. The 30-year fixed mortgage rate continues to tick down for the second straight day. According to Zillow, the average 30-year fixed rate has fallen by one basis point to 6.26%. Read more: Where and how to find the lowest mortgage rates right now Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.26% 20-year fixed: 5.97% 15-year fixed: 5.61% 5/1 ARM: 6.61% 7/1 AR ...