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U.S. refinance mortgage rates hold near 6.24% as homeowners assess borrowing costs
Average U.S. refinance mortgage rates remain near 6.24%, with homeowners weighing borrowing costs and long-term savings in the current interest rate environment.
Current data from real estate marketplace Zillow shows that the average refinance rate on a 30 year fixed rate mortgage in the United States stands around 6.24% as of January 6, 2026. Homeowners evaluating opportunities to refinance for lower monthly payments or to access equity may find rates moderately higher than historical lows but relatively stable compared to the prior week.