Mortgage and refinance rates today, Tuesday, August 18, 2026: Generally higher, yet the 30-year holds

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According to the Zillow lender marketplace, mortgage rates are generally higher today, Tuesday, August 18, 2026 , than they were yesterday — though the 30-year rate managed to remain mostly unchanged.

The average 30-year fixed rate is 6.53% , down one basis point since yesterday. The 15-year fixed loan is currently at 5.94% , eight basis points higher than yesterday. The 5/1 ARM is 6.39% , 15 basis points higher than on Monday.

Read more : Weekly survey of mortgage lenders with the lowest rates: Small moves in rates and fees

Here are the current mortgage rates, according to our latest Zillow data, for Tuesday, August 18, 2026:

Remember that these are the national averages and are rounded to the nearest hundredth.

These are the current mortgage refinance rates, according to the latest Zillow data for Tuesday, August 18, 2026:

Again, the numbers provided are national averages rounded to the nearest hundredth. Refinance rates are usually higher than purchase rates.