The cheapest 30-year mortgage rates are in New York, California, Florida, North Carolina, Pennsylvania, Texas, and Kentucky, averaging 6.88%-7.09%. The highest rates, 7.17%-7.23%, are in Alaska, Iowa, New Mexico, Washington, D.C., North Dakota, and Vermont. Rates vary by state due to lender differences, credit scores, loan sizes, and regulations. National average rates recently rose to 7.11%, near a peak since May 2024.
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