Let’s view Boston real mortgage rates from the 1970’s till now

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Let’s view Boston real mortgage rates from the 1970’s till now

Historical mortgage rate trends

1970s

Lowest annual average mortgage rate: 7.38%

Highest annual average mortgage rate: 11.20%

1980s

Lowest annual average mortgage rate: 10.19%

Highest annual average mortgage rate: 16.64%

1990s

Lowest annual average mortgage rate: 6.94%

Highest annual average mortgage rate: 10.13%

Mortgage rates in the 2000s

2000s

Lowest annual average mortgage rate: 5.04%

Highest annual average mortgage rate: 8.05%

2010s

Lowest annual average mortgage rate: 3.65%

Highest annual average mortgage rate: 4.69%

2020s

Lowest annual average mortgage rate: 2.96%

Highest annual average mortgage rate: 6.81%

October 16, 2025: Today’s mortgage rates are wavering. For example, according to Zillow, the average 30-year fixed rate on home purchases has increased by three basis points to 6.23%. However, the 30-year fixed rate for mortgage refinances has decreased by five basis points to 6.33%.

Source: Yahoo/finance

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