The average 30-year fixed refinance rate was 6.15% on February 24, 2026, according to Zillow data reported by Fortune. That is a dated market average—not a rate guaranteed to any borrower. Your own offer can differ based on your financial profile, loan, location, lender, points, and fees.
What was the 30-year refinance rate on February 24, 2026?
Fortune reported Zillow’s daily average 30-year fixed refinance rate at 6.15% on February 24, 2026. The figure describes an average for that date, not a personalized quote or a promise that a lender would approve a borrower at that rate. Fortune’s February 24, 2026 rate report is attributed to staff editor Glen Luke Flanagan.
How do the other February rate figures compare?
Several widely reported mortgage-rate numbers from February refer to different dates, time periods, and loan populations. They are useful context, but they should not be treated as interchangeable refinance quotes.
| Figure | What it measures | Source and date |
|---|---|---|
| 6.15% | Daily average 30-year fixed refinance rate | Zillow data reported by Fortune, February 24, 2026 |
| 6.01% | Weekly average 30-year fixed mortgage rate | Freddie Mac PMMS, February 19, 2026; its survey focuses on conventional conforming purchase loans for borrowers with 20% down and excellent credit |
| 5.35% | Weekly average 15-year fixed mortgage rate | Freddie Mac PMMS, February 19, 2026; same purchase-loan survey context |
| 6.05% | Monthly average 30-year fixed mortgage rate | Freddie Mac PMMS monthly average for February 2026, reported by FHFA; January’s monthly average was 6.10% |
Freddie Mac’s 6.01% and 5.35% figures are not refinance-specific offers. Freddie Mac Chief Economist Sam Khater said on February 19 that rates had fallen to their lowest level since September 2022. The agency also reported that refinance application activity had more than doubled over the preceding year, enabling many recent buyers to reduce annual mortgage payments by thousands of dollars; that reported outcome is not a forecast or guarantee for an individual borrower. Freddie Mac’s February 19 release describes the survey and its assumptions.
Do these 3 things before closing this tab:
1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errors#1 Best Overall
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
The monthly figure has a different time basis from Zillow’s daily refinance average. FHFA reported a February 2026 average of 6.05% using Freddie Mac PMMS monthly averages, not a February 24 daily rate. FHFA’s February 2026 Refinance Report also counted 78,411 refinances by Fannie Mae and Freddie Mac that month. Cash-out refinances represented 34.4% of activity, compared with a reported peak of 82.4% in September 2022; 14.1% of refinances were into 15-year mortgages.
Could you get a 6.15% refinance rate?
There is no basis to assume that an individual borrower could obtain the reported average. Lenders set offers using borrower and loan details, and the rate can also depend on geography, loan type, points, fees, and underwriting. Compare actual lender quotes made using the same assumptions rather than choosing based on a market average alone.
Rank #2
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Which type of refinance fits your goal?
Rate-and-term refinance
This replaces the current mortgage to change the interest rate, the loan term, or both. A shorter term can reduce the total interest paid over the life of the loan but may increase the monthly payment.
Cash-out refinance
This replaces the current mortgage with a larger loan and pays the borrower the difference. Home improvements and debt consolidation are examples of possible uses, but borrowing more against the home changes the loan balance and should be evaluated against the costs and risks.
What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
Rank #3
- Effective Budget Plan Book – Take control of your finances with the SUNEE budget account book. This all-in-one budget planner allows you to plan and track your income, expenses, savings, and financial goals. Its intuitive layout and easy-to-use sections help you stay organized and make smart decisions to reach financial success. Our financial planner also included a comprehensive guidebook with valuable tips and instructions to help you get the most out of your budgeting planner.
- Full-Page Calendars – Each month’s full-page calendar provides plenty of space to track paydays, bills due dates, appointments, and important events. No more cramped boxes or tight writing areas, you can easily plan and organize your schedule at a glance.
- Colorful Pages Layout and Tabs – This vibrant budget planner features a user-friendly design for easy navigation and organization. Each month includes dedicated budget pages to set financial goals, track income, and plan expenses. Additional sections like debt trackers, savings goals, and bill payment trackers make managing your finances a breeze. The colorful backgrounds on each page offer clear, instant visibility.
- Bonus 4 Stickers and Convenient Design – This monthly budget planner is built for convenience and durability. Water-resistant cover protects against spills, while the elastic band keeps everything secure, and the dual-sided pocket offers extra storage. Plus, we’ve included 4 adorable sticker sheets to personalize your planner and make budgeting more enjoyable. Experience a budget planner that combines practicality with lasting quality.
- UNDATED DESIGN & 1 YEAR USE - Undated finance books start with 1 page-financial goals, 1 page-Mind Map, 1 page-Financial Strategy, 1 page-Tactics, 2 pages-Important Dates, 4 pages-Bill Tracker, 4 pages-Saving Tracker, 8 pages-Debt Tracker, followed by 12 Months(10 pages per month, 1 unique color for each month). 2 pages-Christmas Budgeting, 2 pages-Yearly Summary, 2 pages-Check Register and 12 pages-Notes(dotted). It is UNDATED, so you could start at any time, suitable for 1 year use.
No-closing-cost refinance
In the report’s description, the lender covers closing costs in exchange for a higher interest rate. Compare the rate and costs over the time you expect to keep the mortgage; the label does not mean the transaction has no economic cost.
Streamline refinance
Some existing FHA, VA, or USDA borrowers may have access to streamline options that generally involve less documentation. Eligibility and requirements are program-specific, so confirm them with the relevant agency or a lender before assuming your loan qualifies.
Rank #4
- 【Take Control Of Your Money】Easily plan your monthly budget, track income & expenses, and stay on top of your finances. This budget planner helps you clearly see where your money goes and avoid overspending.
- 【Designed For Real Life Use】Perfect for young professionals, families, students, and anyone working toward financial goals. Whether managing daily expenses or planning long-term savings, this budget book keeps everything organized.
- 【All-In-One Budget System:】Our monthly budget planner features a well-thought-out layout that simplifies your budgeting process. Includes monthly budget pages, expense trackers, bill organizers, savings goals, and debt trackers. Everything you need to manage money in one convenient planner.
- 【12-Month Duration】Our budget planner covers a total of 12 months, giving you an extended period of financial organization. Now you can make income and expense records at any time, ensuring every financial decision aligns with your long-term goals.
- 【Premium Quality and Convenience】Crafted with attention to detail, this budget planner boasts superior quality. The sturdy pink and gold coil binding allows for effortless flipping, while the metal corner protectors effectively prevent damage to the cover, ensuring long-lasting durability.
How to compare refinance offers
- Request comparable quotes. Ask lenders to price the same loan type, balance, term, occupancy, and other relevant assumptions so that differences are meaningful.
- Compare the full cost, not just the rate. Review the offered interest rate and APR, points, lender fees, other closing costs, loan balance, and resulting monthly payment.
- Consider how long you expect to keep the loan. Weigh upfront costs and any rate tradeoff against the time you expect to hold the mortgage. There is no single break-even period or rate threshold that makes refinancing worthwhile for everyone.
- Ask your current lender, and shop elsewhere too. You are not required to use your existing lender. Ask whether it offers incentives such as waived closing costs, and compare those terms with offers from other lenders.
- Check program eligibility before relying on assistance. If Fannie Mae or Freddie Mac owns your loan, you might qualify for RefiNow or Refi Possible, but eligibility depends on the applicable program rules.
Are these rates current?
No. The figures in this article describe February 2026 and are historical, not current offers. They do not establish what a borrower can obtain today or whether refinancing would produce personal savings.
Quick Recap
Best Value
- 【ACHIEVE YOUR FINANCIAL GOALS】This budget financial planner provides a simple and efficient money management instruments that allows you to plan and track your income, expenses and savings in one convenient place. Take control of your money on a daily, monthly and yearly basis with the budget planner, enabling you to manage your personal finance and make decisions to achieve financial goals.
- 【TRACK SAVINGS, DEBT & BILLS PAYMENTS】Keeping track of savings, debt, and bill payments can help you understand your income and expenses, giving you a clearer picture of your financial situation. In addition, you can identify spending habits and appropriately reduce unnecessary spending.
- 【WELL-DESIGNED】The monthly budget planner is undated and covers 16 months. Every month features a calendar, a budget plan, and 4 pages expense tracker. At the end of the month, review your performance and consider how to improve. Additional sections include 4 savings, 6 debt trackers and more, making it simple to stay on top of your finances.
- 【EASY TO USE】The financial planner notebook cover is made by premium Faux Leather/ Fabric, High quality and durability. A5 size (5.7'' × 8'') is perfect for on-the-go. 100gsm paper has no bleed through. It also comes with an elastic pen loop and pocket. In addition, 2 bookmarks is useful to find any page you need easily.
- 【PERFECT GIFT】A Budget Planner makes for an incredibly thoughtful and practical gift, as it helps individual keep track of their finances, set savings goals, and manage their spending more effectively. Whether for a friend, family member, or colleague, this essential tool fosters financial literacy and encourages responsible budgeting habits.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
