Compare live New York mortgage rates
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13 offers · $640,000 loan in 11747 · Live pricing
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This week in the New York mortgage market
For borrowers in New York, our featured mortgage pricing today is 6.625% (6.704% APR) with 0.480 discount points. The APR folds in lender fees and points alongside the interest rate, so it gives a fuller picture of what the loan costs than the rate alone. At that rate the estimated principal and interest payment is $4,098 per month, before property taxes, homeowners insurance and any HOA dues. This pricing assumes a $640,000 purchase loan on a $800,000 single-family primary residence in ZIP 11747, New York, with $160,000 down, a 780+ credit score and a 30-day rate lock, as of September 17, 2026. Your own rate depends on your credit, loan amount, property and program, and rates change daily — this is not a commitment to lend.
According to the latest data from Freddie Mac, the national average for a 30-year fixed-rate mortgage has climbed to 6.76%, marking a 0.05% increase from last week. This rate sits at the high end of this year’s range, which has fluctuated between 5.98% and 6.76% over the past 52 weeks. Meanwhile, the national average for a 15-year fixed-rate mortgage currently stands at 6.09%. These figures offer a helpful snapshot of the broader national lending environment as you navigate your own home financing journey.
For homebuyers and homeowners across New York, these shifts in the national averages serve as a reminder of the importance of staying informed. While these broad figures reflect national trends, your individual borrowing power is influenced by a variety of personal factors unique to your financial profile and the specific property you are considering. Whether you are looking to purchase a new home or explore refinancing options, keeping an eye on these market movements can help you better understand the current landscape as you prepare to make your next move in the competitive New York market.
52 weeks of mortgage rates
The line shows the Freddie Mac national 30-year fixed average each week. The dashed line is our featured New York pricing today.
Source: Freddie Mac Primary Mortgage Market Survey. National averages are survey data, not quotes.
Which loan program fits you?
Conventional
Backed by Fannie Mae or Freddie Mac. Strong pricing with 3% down and up for qualified buyers, and mortgage insurance drops off once you reach 20% equity.
FHA
Government-insured with flexible credit requirements and 3.5% down. Mortgage insurance applies for the life of most FHA loans, but the rate is often competitive.
VA
For eligible veterans, active-duty service members and surviving spouses. No down payment required and no monthly mortgage insurance.
Jumbo
For loan amounts above the conforming limit — common across downstate New York. Requires stronger reserves and credit, with pricing that moves independently of conforming loans.
USDA
Zero-down financing for eligible rural and small-town New York properties, subject to income and location limits.
New York-specific things to know
SONYMA programs
The State of New York Mortgage Agency offers below-market rate programs and down payment assistance for first-time buyers who meet income and purchase-price limits.
CEMA on refinances
A Consolidation, Extension and Modification Agreement can reduce New York’s mortgage recording tax when you refinance. Ask whether your loan qualifies before you lock.
Co-op financing
New York City co-ops are financed as share loans rather than real property, so lender guidelines, building approvals and closing costs differ from condos.
Closing cost planning
Between the mortgage recording tax, title, and attorney representation at closing, New York closing costs typically run higher than the national average — budget accordingly.
Frequently asked questions
What are the current ny mortgage rates today?
You can view the latest pricing updates for New York in the live rate table on this page. These rates represent our current purchase pricing for the state. If you would like a personalized quote, simply click the link next to any of the listed options.
Where can I find mortgage rates today ny homeowners are seeing?
Our live rate table provides an overview of today’s purchase pricing specifically for New York residents. Please review the options displayed on this page to see current market scenarios. You are just one click away from generating a personalized quote tailored to your financial goals.
How do I see current mortgage rates new york residents qualify for?
The table above displays today’s New York purchase pricing updated directly to this page. We encourage you to browse these options to get a better understanding of the current market. Click on any product to receive a personalized quote based on your specific needs.
What is the best way to track nyc mortgage rates?
We provide real-time updates for New York purchase pricing right here on this page. The rate table is the most reliable way to monitor our current offerings for the region. You can get a personalized quote by selecting any of the available loan options.
Are new york state mortgage rates available for immediate review?
Yes, our live rate table is updated to show today’s purchase pricing for New York state. All information provided on this page is intended to help you compare your options. For a more detailed look at your financing potential, click to get a personalized quote in moments.
How often are the ny mortgage rates today updated on this site?
Our live rate table is updated regularly to ensure you are viewing today’s purchase pricing for New York. Please check this page frequently for the latest information on our current lending options. You can easily request a personalized quote with a single click.
What are the current mortgage rates available for New York borrowers?
Our live rate table on this page displays current pricing for purchase loans throughout New York. These figures reflect today’s market conditions for our available mortgage products. You can obtain a personalized quote for your specific situation with just one click.
Where can I find updated mortgage rates today?
We update the rate table on this page daily to provide transparency regarding our New York purchase pricing. Please review the table above to see the options currently available to you. If you would like to see how these rates apply to your home search, simply click to get a personalized quote.
How do I check NY mortgage rates today?
The live tool on this page provides the most recent purchase pricing for properties across New York. These rates are updated regularly to ensure you have the most relevant information for your planning. Click the link provided to generate a personalized quote tailored to your specific financing needs.
Are new york mortgage rates provided on this page accurate?
The rates listed on this page represent our current New York purchase pricing for today. We work to keep this data current so you have a reliable starting point for your home financing journey. For a more detailed look at what you might qualify for, please click to request a personalized quote.
More New York rate pages
- → the Hudson Valley Mortgage Rates
- → Long Island Mortgage Rates
- → Islip Mortgage Rates
- → Smithtown Mortgage Rates
- → Babylon Mortgage Rates
- → Hempstead Mortgage Rates
- → Huntington Mortgage Rates
- → White Plains Mortgage Rates
- → Yonkers Mortgage Rates
- → Syracuse Mortgage Rates
- → Rochester Mortgage Rates
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- → Albany Mortgage Rates
Reviewed by
Gregory A. Topal · Chief Executive Officer, Reliant Home Funding
Licensed mortgage loan originator, NMLS #38684. Gregory leads Reliant Home Funding, a Long Island-based lender serving New York homebuyers. Last reviewed September 17, 2026.
Rate assumptions. Pricing shown is based on a $640,000 purchase loan on a $800,000 single-family primary residence in ZIP 11747, NY, with $160,000 down, a 780+ credit score and a 30-day lock, as of September 17, 2026. Rates and terms are subject to change without notice and are not a commitment to lend. Your actual rate, payment and costs may differ. APR includes estimated lender fees. All loans subject to credit approval and property appraisal. Reliant Home Funding, NMLS #292473. Equal Housing Opportunity.