15-Year vs. 30-Year Fixed Mortgage in 2026 — Which One Actually Saves You Money?
As of mid-2026, the average 30-year fixed mortgage rate is running around 6.5%-6.6%, while the 15-year fixed averages roughly 5.8%-5.95%, according to Freddie Mac's Primary Mortgage Market Survey. That gap of roughly 0.7 to 0.9 percentage points is a big part of why the 15-year option keeps coming up whenever…
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