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Average mortgage rates and points in the top 10 markets
Fixed 15-year Fixed 30-year 5-year ARM
Market Rate Points Rate Points Rate Points
New York Metro 3.37 0.29 4.17 0.39 2.99 0.16
Los Angeles 3.40 0.29 4.16 0.28 3.93 0.22
Chicago 3.51 0.26 4.25 0.24 3.03 0.20
San Francisco 3.43 0.28 4.16 0.21 3.13 0.21
Philadelphia 3.36 0.46 4.16 0.39 2.91 0.57
Detroit 3.50 0.19 4.21 0.18 3.00 0.18
Boston 3.40 0.26 4.37 0.27 3.30 0.25
Houston 3.20 0.95 4.05 0.73 2.96 0.33
Dallas 3.29 0.71 4.15 0.60 3.06 0.63
DC Metro 3.46 0.34 4.08 0.39 3.36 0.49
Brm National Index 3.40 0.36 4.18 0.34 3.19 0.32
Average mortgage rates and points as of survey date 1/4/2012. This data comes from the Wednesday survey of the largest institutions in the country.
• Is your area not listed? Search rate tables for cities in your state, or read our daily report on mortgage rates in your state or market.
• For more information on Bankrate.com averages, click here.
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Mortgages
Compare today's rates
NATIONAL OVERNIGHT AVERAGES
30 yr fixed mtg 3.89%
15 yr fixed mtg 3.21%
5/1 ARM 2.87%
Rates may include points
 
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* Mortgage rate may include points. See rate tables for details. Click here.
* To see the definition of overnight averages click here.

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