Refinancing · 400 markets covered

Refinancing costs across states and provinces

Refinancing costs are listed below with 11 published figures from 2 publishers. 400 markets here carry documented data for this subject.

Refinancing: national figures
FigureValueAs ofPublished by
Bank prime loan rate
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
6.75%16 September 2026Board of Governors of the Federal Reserve System
Federal funds rate (effective)
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
3.63%16 September 2026Board of Governors of the Federal Reserve System
Treasury bill, secondary market, 3-month
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
3.99%16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 10-year
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
5.01%16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 30-year
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
5.35%16 September 2026Board of Governors of the Federal Reserve System
Treasury bill, secondary market, 3-month — change over the published window
Computed from H.15 between 2026-09-10 (3.86) and 2026-09-16 (3.99)
+0.13 pp16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 10-year — change over the published window
Computed from H.15 between 2026-09-10 (4.95) and 2026-09-16 (5.01)
+0.06 pp16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 30-year — change over the published window
Computed from H.15 between 2026-09-10 (5.37) and 2026-09-16 (5.35)
-0.02 pp16 September 2026Board of Governors of the Federal Reserve System
30-year fixed mortgage rate
Weekly national average, Primary Mortgage Market Survey
6.95%17 September 2026Freddie Mac Primary Mortgage Market Survey
15-year fixed mortgage rate
Weekly national average, Primary Mortgage Market Survey
6.26%17 September 2026Freddie Mac Primary Mortgage Market Survey
30-year fixed mortgage rate, 12 months earlier
Week of 9/18/2025; current week 9/17/2026 = 6.95%
6.26%18 September 2025Freddie Mac Primary Mortgage Market Survey

Markets with refinancing figures

Refinancing costs across states and provinces

400 markets have at least one published figure.

The two countries publish on separate series: U.S. numbers come from the Bureau of Labor Statistics and federal agencies, Canadian numbers from Statistics Canada and the Bank of Canada. They cannot be compared across the border.

Questions about these figures

How many published figures back this refinancing page?
This page carries 11 sourced data points from 2 publishers, each with its publication date and a link to the source.
Does refinancing cost the same across the United States?
Published national figures are averages; local labour rates, permits, taxes and travel charges move the number. Use the national figure as a starting point and get local quotes before budgeting.
Can refinance be financed?
Costs of this kind are sometimes paid for with a personal loan or a point-of-sale payment plan. Terms, rates and eligibility are set by the lender, not by this site, and the lowest rates are only available to the most qualified applicants. This site is not a lender and does not make credit decisions.
How should I use these figures?
Use them to sanity-check quotes, never to replace one. Get at least three local quotes in writing, confirm what is included, and ask what would change the price.

Before you commit

Collect at least three local quotes in writing, check what each one includes, and ask what would change the price. A published average is a starting point, not an offer.

Related subjects

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