New York ranks #33 of 51 for 30-year mortgage rate in 2026.
Source: Freddie Mac PMMS (Week of 2026-04-23)
Updated 2026-04-25. Click any state for the full breakdown.
New York mortgage rate is 6.23% as of Week of 2026-04-23, according to Freddie Mac PMMS. That puts New York at rank #33 of 50 US states, below the national average of 623.00%.
Among New York's neighbors, Vermont shows 6.23%, Massachusetts shows 6.23%, Connecticut shows 6.23%. Use the CalcFi compare view to line all of them up: /maps/compare?cat=mortgage&states=ny,vt,ma,ct. Nearby states share labor markets and housing corridors, so the comparison is usually the most relevant one.
Top New York metros include New York City, Buffalo, and Rochester. City-level mortgage rate data drops in Q3 2026 once BLS releases its metro-area tables for the year. Albany is the state capital. Until then, the state-level number is the best available read.
The current 30-year fixed average in New York is 6.23% per Freddie Mac PMMS, adjusted for state spread. Your actual rate depends on credit score, down payment, loan type, and lender competition. Use the mortgage payment calculator to see the monthly cost at your expected rate.
8 cities ranked by 30-year fixed mortgage rate by state. Lower is better.
Note: 30-year fixed rates are reported national/state-level (Freddie PMMS). City affordability shown as median home price.
Freddie Mac Primary Mortgage Market Survey 30-yr fixed national weekly average. State-level rate data is not freely published; the national rate is replicated across states with disclosure. Updated weekly via FRED MORTGAGE30US.