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Will the 30-year Mortgage Rate hit __ in 2026?
The odds
54%↓ 7.00%
Traders see as low as 6.98%.
- Reaches 7.5%42%
- Reaches 7.75%15%
- Reaches 8%15%
- Falls to 7%54%
- Falls to 6.75%13%
- Falls to 6.5%9%
- Falls to 6.25%8%
- Falls to 6%7%
- Falls to 5.9%5%
- Falls to 5.7%2%
- Falls to 5.5%2%
Already reached: ↑ 7.25%, ↑ 7.00%, ↑ 6.75%, ↑ 6.50%, ↑ 6.30%, ↑ 6.20%
How the odds have moved
Falls to 6.5%: 22% on Oct 1, 9% now.
Each outcome's chance over time, from its prices on Polymarket.
Every outcome
| Outcome | Chance | Day | Bid | Ask | Traded |
|---|---|---|---|---|---|
| ✓ ↑ 6.20% | >99% | 100¢ | 100¢ | ||
| ✓ ↑ 6.30% | >99% | ▼ 2 | 100¢ | 100¢ | $29.4K |
| ✓ ↑ 6.50% | >99% | ▲ 13 | 100¢ | 100¢ | $6.9K |
| ✓ ↑ 6.75% | >99% | ▲ 2 | 100¢ | 100¢ | $5.5K |
| ✓ ↑ 7.00% | >99% | ▲ 10 | 100¢ | 100¢ | $8.0K |
| ✓ ↑ 7.25% | >99% | ▲ 11 | 100¢ | 100¢ | $3.3K |
| ↑ 7.50% | 42% | ▲ 1 | 27¢ | 56¢ | $3.5K |
| ↑ 7.75% | 15% | ▼ 4 | 12¢ | 17¢ | $2.4K |
| ↑ 8.00% | 15% | ▲ 1 | 13¢ | 18¢ | $2.0K |
| ↓ 5.50% | 2% | 1¢ | 3¢ | $3.4K | |
| ↓ 5.70% | 2% | 0¢ | 2¢ | $13.1K | |
| ↓ 5.90% | 5% | ▲ 1 | 2¢ | 9¢ | $11.6K |
| ↓ 6.00% | 7% | 5¢ | 9¢ | $4.3K | |
| ✓ ↓ 6.00% | >99% | ▲ 27 | 100¢ | 100¢ | $673 |
| ↓ 6.25% | 8% | ▼ 10 | 5¢ | 11¢ | $5.4K |
| ↓ 6.50% | 9% | ▼ 14 | 8¢ | 10¢ | $17.8K |
| ↓ 6.75% | 13% | ▼ 13 | 10¢ | 15¢ | $6.8K |
| ↓ 7.00% | 54% | ▼ 1 | 36¢ | 71¢ | $384 |
More on this question
All central banks & rates › 5%chance▲ 1
30-year mortgage rate at the end of 2026
7.58%median
5.75%9.25%
Median 7.58%Middle half 7.2% – 7.7%
30-year mortgage rate at the end of 2027
53%Above 6.25%
5.75%6.75%
Fed Decision in December?
66%25 bps increase
- 25 bps increase66%▼ 11
- No change32%▲ 10
- 25 bps decrease1%
- 50+ bps increase1%
1 more
- 50+ bps decrease1%
How many Fed rate cuts in 2026?
97%0 (0 bps)
- 0 (0 bps)97%▼ 1
- 1 (25 bps)1%▲ 1
- 2 (50 bps)<1%
- 3 (75 bps)<1%
9 more
- 4 (100 bps)<1%
- 5 (125 bps)<1%
- 12+ (300+ bps)<1%
- 6 (150 bps)<1%
- 7 (175 bps)<1%
- 8 (200 bps)<1%
- 9 (225 bps)<1%
- 10 (250 bps)<1%
- 11 (275 bps)<1%
Fed rate cut by...?
52%July 2027 Meeting
- July 2027 Meeting52%▲ 1
- April 2027 Meeting50%
- June 2027 Meeting30%
- March 2027 Meeting12%▼ 1
2 more
- January 2027 Meeting8%▼ 1
- December 2026 Meeting2%
Odds are traders' prices on Kalshi and Polymarket, not forecasts by 4SEARCH.business. Read from the venues just now. Prices may be delayed up to 15 min. Not investment advice.
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