Market Yield on U.S. Treasury Securities at 30-Year Constant Maturity, Quoted on an Investment Basis
Monthly
GS30 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
4.92
Year-over-Year Change
10.31%
Date Range
2/1/1977 - 7/1/2025
Summary
The GS30 represents the 30-year fixed mortgage rate tracked monthly by the Federal Reserve. This critical indicator provides insight into long-term borrowing costs and housing market conditions.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The 30-year fixed mortgage rate reflects the average interest rate for long-term home loans across the United States. Economists and financial analysts closely monitor this rate as a key barometer of housing market health and broader economic conditions.
Methodology
Data is collected through a survey of leading mortgage lenders, calculating the average rate for 30-year fixed-rate mortgages based on current market conditions.
Historical Context
This rate is crucial for policymakers, investors, and homebuyers in assessing lending costs, housing affordability, and potential economic trends.
Key Facts
- Represents the standard 30-year fixed mortgage interest rate
- Influences home buying decisions and real estate market dynamics
- Reflects broader economic conditions and monetary policy
FAQs
Q: How does the 30-year mortgage rate impact home affordability?
A: Higher rates increase monthly mortgage payments, potentially reducing home affordability. Lower rates can make home purchases more accessible to buyers.
Q: What factors influence the 30-year mortgage rate?
A: Rates are influenced by Federal Reserve monetary policy, inflation expectations, economic growth, and overall market conditions.
Q: How often is the GS30 rate updated?
A: The rate is typically updated monthly, providing a current snapshot of long-term lending costs in the United States.
Q: How do mortgage rates relate to broader economic trends?
A: Mortgage rates are closely tied to economic indicators like inflation, employment, and Federal Reserve policy decisions.
Q: What are the limitations of the GS30 data?
A: The rate represents an average and may not reflect individual borrower experiences or specific regional variations in mortgage lending.
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Citation
U.S. Federal Reserve, Monthly [GS30], retrieved from FRED.
Last Checked: 8/1/2025