Mortgage and refinance interest rates today, December 18, 2025: Mortgage rates remain calm

Mortgage rates remain calm, hovering just above 6% with only minor fluctuations week to week. According to Zillow, the average 30-year fixed mortgage rate is 6.05%. The 15-year fixed rate is 5.52%. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.05% 20-year fixed: 6.06% 15-year fixed: 5.52% 5/1 ARM: 6.31% 7/1 ARM: 6.30% 30-year VA: 5.61% 15-year VA: 5.21% 5/1 VA: 5.66% Remember, these are the national averages and rounded to t ...