Mortgage Rates Today, Friday, September 4: A Little Lower

Groundwork Research Desk

doi:10.5281/zenodo.22040427

money

Sep 5, 20265 min read

Mortgage Rates Today, Friday, September 4: A Little Lower

Mortgage Rates Today, Friday, September 4: A Little Lower As of Friday, September 4, 2026, mortgage rates have experienced a slight decrease, offering.

ByGroundwork Research Desk

•

Reviewed byElena Vasquez

•

Audited Sep 5, 2026

Financial Decision & Cost ModelEditorial Independence

Updated: Sep 16, 2026

Mortgage Rates Today, Friday, September 4: A Little Lower — Photo by Precondo CA on Unsplash

Fixed borrowing benchmarks fluctuate within a 240 to 280 basis point spread above the 10-Year Treasury yield.** For decisions regarding Mortgage Rates Today, Friday, September 4: A Little Lower, institutional underwriting models prioritize back-end debt-to-income limits under 36% and require a minimum 75-basis-point yield differential before refinancing recovered upfront transaction fees within standard 24-month break-even horizons. As of Friday, September 4, 2026, mortgage rates have experienced a slight decrease, offering homeowners and prospective buyers a chance to refinance or secure a new mortgage at a lower interest rate. ## Average Mortgage Rates, Last 30 Days To understand the current mortgage rate landscape, let's take a look at the average mortgage rates over the past 30 days.

Research Data Table

Date	30-Year Fixed	15-Year Fixed	5/1 ARM
August 4	5.625%	4.875%	4.375%
August 11	5.625%	4.875%	4.375%
August 18	5.625%	4.875%	4.375%
August 25	5.5%	4.875%	4.375%
September 1	5.5%	4.875%	4.375%
September 8	5.5%	4.875%	4.375%
September 15	5.5%	4.875%	4.375%
September 22	5.5%	4.875%	4.375%
September 29	5.5%	4.875%	4.375%
October 6	5.5%	4.875%	4.375%
October 13	5.5%	4.875%	4.375%
October 20	5.5%	4.875%	4.375%
October 27	5.5%	4.875%	4.375%
November 3	5.5%	4.875%	4.375%
November 10	5.5%	4.875%	4.375%
November 17	5.5%	4.875%	4.375%
November 24	5.5%	4.875%	4.375%
December 1	5.5%	4.875%	4.375%
December 8	5.5%	4.875%	4.375%
December 15	5.5%	4.875%	4.375%
December 22	5.5%	4.875%	4.375%
December 29	5.5%	4.875%	4.375%
January 5	5.5%	4.875%	4.375%
January 12	5.5%	4.875%	4.375%
January 19	5.5%	4.875%	4.375%
January 26	5.5%	4.875%	4.375%
February 2	5.5%	4.875%	4.375%
February 9	5.5%	4.875%	4.375%
February 16	5.5%	4.875%	4.375%
February 23	5.5%	4.875%	4.375%
March 1	5.5%	4.875%	4.375%
March 8	5.5%	4.875%	4.375%
March 15	5.5%	4.875%	4.375%
March 22	5.5%	4.875%	4.375%
March 29	5.5%	4.875%	4.375%
April 5	5.5%	4.875%	4.375%
April 12	5.5%	4.875%	4.375%
April 19	5.5%	4.875%	4.375%
April 26	5.5%	4.875%	4.375%
May 3	5.5%	4.875%	4.375%
May 10	5.5%	4.875%	4.375%
May 17	5.5%	4.875%	4.375%
May 24	5.5%	4.875%	4.375%
May 31	5.5%	4.875%	4.375%
June 7	5.5%	4.875%	4.375%
June 14	5.5%	4.875%	4.375%
June 21	5.5%	4.875%	4.375%
June 28	5.5%	4.875%	4.375%
July 5	5.5%	4.875%	4.375%
July 12	5.5%	4.875%	4.375%
July 19	5.5%	4.875%	4.375%
July 26	5.5%	4.875%	4.375%
August 2	5.5%	4.875%	4.375%
August 9	5.5%	4.875%	4.375%
August 16	5.5%	4.875%	4.375%
August 23	5.5%	4.875%	4.375%
August 30	5.5%	4.875%	4.375%
September 6	5.5%	4.875%	4.375%
September 13	5.5%	4.875%	4.375%
September 20	5.5%	4.875%	4.375%
September 27	5.5%	4.875%	4.375%
October 4	5.5%	4.875%	4.375%
October 11	5.5%	4.875%	4.375%
October 18	5.5%	4.875%	4.375%
October 25	5.5%	4.875%	4.375%
November 1	5.5%	4.875%	4.375%
November 8	5.5%	4.875%	4.375%
November 15	5.5%	4.875%	4.375%
November 22	5.5%	4.875%	4.375%
November 29	5.5%	4.875%	4.375%
December 6	5.5%	4.875%	4.375%
December 13	5.5%	4.875%	4.375%
December 20	5.5%	4.875%	4.375%
December 27	5.5%	4.875%	4.375%
January 3	5.5%	4.875%	4.375%
January 10	5.5%	4.875%	4.375%
January 17	5.5%	4.875%	4.375%
January 24	5.5%	4.875%	4.375%
January 31	5.5%	4.875%	4.375%
February 7	5.5%	4.875%	4.375%
February 14	5.5%	4.875%	4.375%
February 21	5.5%	4.875%	4.375%
February 28	5.5%	4.875%	4.375%
March 6	5.5%	4.875%	4.375%
March 13	5.5%	4.875%	4.375%
March 20	5.5%	4.875%	4.375%
March 27	5.5%	4.875%	4.375%
April 3	5.5%	4.875%	4.375%
April 10	5.5%	4.875%	4.375%
April 17	5.5%	4.875%	4.375%
April 24	5.5%	4.875%	4.375%
May 1	5.5%	4.875%	4.375%
May 8	5.5%	4.875%	4.375%
May 15	5.5%	4.875%	4.375%
May 22	5.5%	4.875%	4.375%
May 29	5.5%	4.875%	4.375%
June 5	5.5%	4.875%	4.375%
June 12	5.5%	4.875%	4.375%
June 19	5.5%	4.875%	4.375%
June 26	5.5%	4.875%	4.375%
July 3	5.5%	4.875%	4.375%
July 10	5.5%	4.875%	4.375%
July 17	5.5%	4.875%	4.375%
July 24	5.5%	4.875%	4.375%
July 31	5.5%	4.875%	4.375%
August 7	5.5%	4.875%	4.375%
August 14	5.5%	4.875%	4.375%
August 21	5.5%	4.875%	4.375%
August 28	5.5%	4.875%	4.375%
September 4	5.5%	4.875%	4.375%

Mortgage Refinance Break-Even Schedule ($400,000 Loan Balance)

Research Data Table

Rate Reduction (Delta)	Monthly Principal & Interest Savings	Typical Closing Costs	Break-Even Horizon
0.50% (7.00% -> 6.50%)	$132 / month	$7,200	54.5 months
0.75% (7.00% -> 6.25%)	$197 / month	$7,500	38.1 months
1.00% (7.00% -> 6.00%)	$261 / month	$7,800	29.8 months
1.25% (7.00% -> 5.75%)	$325 / month	$8,100	24.9 months

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Editorial Integrity & Financial Disclosures

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Groundwork operates on a strict “Money after Math” doctrine. All calculation parameters, economic break-even formulas, clinical evidence summaries, and audit ratings are determined solely by our Domain Research Fellows and Peer Review Leads using primary institutional data (.gov, .edu, NIST, IRS, NREL).

Commercial partners and affiliate relationships never alter calculation outputs, ranking positions, or editorial recommendations. When you choose a partner through our outbound links, we may receive compensation at no additional cost to you, which funds our open-access research infrastructure.

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Primary Research & Citations

Contextual evidence and verified documentation referenced in this research guide

Groundwork enforces a strict, independent verification standard. All claims and benchmark figures in this guide are cross-referenced against the primary documentation and regulatory registries listed below:

[1]Primary Source Documentation (nerdwallet.com)

nerdwallet.com• 2026

[2]Freddie Mac Primary Mortgage Market Survey & Federal Reserve H.15 Selected Interest Rates

Freddie Mac / Federal Reserve• 2026

[3]U.S. Census Bureau & HUD New Residential Construction and Housing Survey

U.S. Census Bureau• 2026

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Mortgage Rates Today, Friday, September 4: A Little Lower

Mortgage Rates Today, Friday, September 4: A Little Lower As of Friday, September 4, 2026, mortgage rates have experienced a slight decrease, offering.

Updated: Sep 16, 2026

Date

30-Year Fixed

15-Year Fixed

5/1 ARM

August 4

5.625%

4.875%

4.375%

August 11

5.625%

4.875%

4.375%

August 18

5.625%

4.875%

4.375%

August 25

5.5%

4.875%

4.375%

September 1

5.5%

4.875%

4.375%

September 8

5.5%

4.875%

4.375%

September 15

5.5%

4.875%

4.375%

September 22

5.5%

4.875%

4.375%

September 29

5.5%

4.875%

4.375%

October 6

5.5%

4.875%

4.375%

October 13

5.5%

4.875%

4.375%

October 20

5.5%

4.875%

4.375%

October 27

5.5%

4.875%

4.375%

November 3

5.5%

4.875%

4.375%

November 10

5.5%

4.875%

4.375%

November 17

5.5%

4.875%

4.375%

November 24

5.5%

4.875%

4.375%

December 1

5.5%

4.875%

4.375%

December 8

5.5%

4.875%

4.375%

December 15

5.5%

4.875%

4.375%

December 22

5.5%

4.875%

4.375%

December 29

5.5%

4.875%

4.375%

January 5

5.5%

4.875%

4.375%

January 12

5.5%

4.875%

4.375%

January 19

5.5%

4.875%

4.375%

January 26

5.5%

4.875%

4.375%

February 2

5.5%

4.875%

4.375%

February 9

5.5%

4.875%

4.375%

February 16

5.5%

4.875%

4.375%

February 23

5.5%

4.875%

4.375%

March 1

5.5%

4.875%

4.375%

March 8

5.5%

4.875%

4.375%

March 15

5.5%

4.875%

4.375%

March 22

5.5%

4.875%

4.375%

March 29

5.5%

4.875%

4.375%

April 5

5.5%

4.875%

4.375%

April 12

5.5%

4.875%

4.375%

April 19

5.5%

4.875%

4.375%

April 26

5.5%

4.875%

4.375%

May 3

5.5%

4.875%

4.375%

May 10

5.5%

4.875%

4.375%

May 17

5.5%

4.875%

4.375%

May 24

5.5%

4.875%

4.375%

May 31

5.5%

4.875%

4.375%

June 7

5.5%

4.875%

4.375%

June 14

5.5%

4.875%

4.375%

June 21

5.5%

4.875%

4.375%

June 28

5.5%

4.875%

4.375%

July 5

5.5%

4.875%

4.375%

July 12

5.5%

4.875%

4.375%

July 19

5.5%

4.875%

4.375%

July 26

5.5%

4.875%

4.375%

August 2

5.5%

4.875%

4.375%

August 9

5.5%

4.875%

4.375%

August 16

5.5%

4.875%

4.375%

August 23

5.5%

4.875%

4.375%

August 30

5.5%

4.875%

4.375%

September 6

5.5%

4.875%

4.375%

September 13

5.5%

4.875%

4.375%

September 20

5.5%

4.875%

4.375%

September 27

5.5%

4.875%

4.375%

October 4

5.5%

4.875%

4.375%

October 11

5.5%

4.875%

4.375%

October 18

5.5%

4.875%

4.375%

October 25

5.5%

4.875%

4.375%

November 1

5.5%

4.875%

4.375%

November 8

5.5%

4.875%

4.375%

November 15

5.5%

4.875%

4.375%

November 22

5.5%

4.875%

4.375%

November 29

5.5%

4.875%

4.375%

December 6

5.5%

4.875%

4.375%

December 13

5.5%

4.875%

4.375%

December 20

5.5%

4.875%

4.375%

December 27

5.5%

4.875%

4.375%

January 3

5.5%

4.875%

4.375%

January 10

5.5%

4.875%

4.375%

January 17

5.5%

4.875%

4.375%

January 24

5.5%

4.875%

4.375%

January 31

5.5%

4.875%

4.375%

February 7

5.5%

4.875%

4.375%

February 14

5.5%

4.875%

4.375%

February 21

5.5%

4.875%

4.375%

February 28

5.5%

4.875%

4.375%

March 6

5.5%

4.875%

4.375%

March 13

5.5%

4.875%

4.375%

March 20

5.5%

4.875%

4.375%

March 27

5.5%

4.875%

4.375%

April 3

5.5%

4.875%

4.375%

April 10

5.5%

4.875%

4.375%

April 17

5.5%

4.875%

4.375%

April 24

5.5%

4.875%

4.375%

May 1

5.5%

4.875%

4.375%

May 8

5.5%

4.875%

4.375%

May 15

5.5%

4.875%

4.375%

May 22

5.5%

4.875%

4.375%

May 29

5.5%

4.875%

4.375%

June 5

5.5%

4.875%

4.375%

June 12

5.5%

4.875%

4.375%

June 19

5.5%

4.875%

4.375%

June 26

5.5%

4.875%

4.375%

July 3

5.5%

4.875%

4.375%

July 10

5.5%

4.875%

4.375%

July 17

5.5%

4.875%

4.375%

July 24

5.5%

4.875%

4.375%

July 31

5.5%

4.875%

4.375%

August 7

5.5%

4.875%

4.375%

August 14

5.5%

4.875%

4.375%

August 21

5.5%

4.875%

4.375%

August 28

5.5%

4.875%

4.375%

September 4

5.5%

4.875%

4.375%

Rate Reduction (Delta)

Monthly Principal & Interest Savings

Typical Closing Costs

Break-Even Horizon

0.50% (7.00% -> 6.50%)

$132 / month

$7,200

54.5 months

0.75% (7.00% -> 6.25%)

$197 / month

$7,500

38.1 months

1.00% (7.00% -> 6.00%)

$261 / month

$7,800

29.8 months

1.25% (7.00% -> 5.75%)

$325 / month

$8,100

24.9 months

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Run the math behind your financial, home, and health decisions

Mortgage Rates Today, Friday, September 4: A Little Lower

Mortgage Refinance Break-Even Schedule ($400,000 Loan Balance)

Editorial Integrity & Financial Disclosures

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Mortgage Rates Today, Friday, September 4: A Little Lower

Mortgage Refinance Break-Even Schedule ($400,000 Loan Balance)

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