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    Home state: New York
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    MONEY mortgage rates

    MONEY's lowest publicly advertised 30-year fixed rate today is 7.154% APR — the national average is 7.147%. We read MONEY's rates every weekday, starting around 11 a.m. Central.

    We last read MONEY's rates page on Nov 2, 2026.

    Today's rates from MONEY

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.154%0Nov 2, 2026Visit
    20 Year Fixed7%7.2%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.121%0Nov 2, 2026Visit
    FHA 30 Year Fixed7%7.964%0Nov 2, 2026Visit
    VA 30 Year Fixed7.125%7.555%0Nov 2, 2026Visit
    USDA 30 Year Fixed6.875%7.551%0Nov 2, 2026Visit
    Visit MONEY's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join MONEY

    If you live, work, or attend school in Onondaga, Oswego, Cayuga, or Madison County, New York, you are eligible to join. Immediate family of current members and employees of Mutual of New York Life Insurance Company (MONY) may also apply.

    Employer
    Mutual of New York Life Insurance Company (MONY)
    County
    Onondaga County, NY, Oswego County, NY, Cayuga County, NY, Madison County, NY

    Where MONEY writes mortgages

    MONEY publishes mortgage lending in 1 state.

    New York

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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