The federal funds rate averaged 3.88% in October 2026; the prime rate 7.00%, the 10-year Treasury yield 5.13%, the 30-year mortgage rate 7.33%
The weekly mortgage rate averaged 2.17 points above that week's 10-year Treasury yield, 2.18 a year earlier · prime 3.12 points above the federal funds rate · Monthly averages of daily and weekly readings
Macro · Personal Finance · Federal Reserve Board and Freddie Mac · 30 Oct 2026