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5/6 adjustable-rate mortgage rates today

Updated Oct 8, 2026

Your estimate · 5/6 adjustable-rate refinance · National

Rate
5.461%
APR
6.551%
Up 0.001 since Oct 6Up 0.13 in 30 days
30-day range 5.331–5.463%

Estimate for Oct 7, 2026. Assumes 760–779 credit, 20% down, $400,000 loan, 0.56 points: the rate is quoted at the points typical for this loan.

A national estimate, the same in every state. A local adjustment, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA), comes later.

An adjustable rate's APR assumes the rate resets to the fully indexed rate after the fixed years, so it sits about 1.09 above the starting rate.

The least certain of our estimates: its benchmark follows only 0.064 of each move in the 10-year Treasury yield, so it changes mostly once a week.

Estimate, not an offer. Built from Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.

Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.

Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.

10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.

Your estimate · 5/6 adjustable-rate purchase · National

Rate
5.411%
APR
6.501%
Up 0.001 since Oct 6Up 0.13 in 30 days
30-day range 5.281–5.413%

Estimate for Oct 7, 2026. Assumes 760–779 credit, 20% down, $400,000 loan, 0.56 points: the rate is quoted at the points typical for this loan.

A national estimate, the same in every state. A local adjustment, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA), comes later.

An adjustable rate's APR assumes the rate resets to the fully indexed rate after the fixed years, so it sits about 1.09 above the starting rate.

The least certain of our estimates: its benchmark follows only 0.064 of each move in the 10-year Treasury yield, so it changes mostly once a week.

Estimate, not an offer. Built from Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.

Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.

Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.

10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.

Rate history

  • Our estimate, refinance rate
  • APOR, 5/6 ARM
  • 10-year Treasury yield
Rate history period

From Oct 6, 2025 to Oct 7, 2026: Our estimate, refinance rate from 5.331% to 5.461%; APOR, 5/6 ARM from 6.65% to 6.45%; 10-year Treasury yield from 4.18% to 5.28%.

Point at the chart, or focus it and use the arrow keys, to read each day's values.

The data as tables
Our estimate, refinance rate
DayRate
Sep 8, 20265.331%
Sep 9, 20265.333%
Sep 10, 20265.341%
Sep 11, 20265.359%
Sep 14, 20265.36%
Sep 15, 20265.362%
Sep 16, 20265.362%
Sep 17, 20265.358%
Sep 18, 20265.381%
Sep 21, 20265.378%
Sep 22, 20265.378%
Sep 23, 20265.387%
Sep 24, 20265.392%
Sep 25, 20265.40%
Sep 28, 20265.405%
Sep 29, 20265.406%
Sep 30, 20265.408%
Oct 1, 20265.405%
Oct 2, 20265.461%
Oct 5, 20265.463%
Oct 6, 20265.46%
Oct 7, 20265.461%
APOR, 5/6 ARM
DayRate
Oct 6, 20256.65%
Oct 13, 20256.62%
Oct 20, 20256.59%
Oct 27, 20256.55%
Nov 3, 20256.52%
Nov 10, 20256.53%
Nov 17, 20256.53%
Nov 24, 20256.51%
Dec 1, 20256.49%
Dec 8, 20256.46%
Dec 15, 20256.41%
Dec 22, 20256.42%
Dec 29, 20256.42%
Jan 5, 20266.39%
Jan 12, 20266.32%
Jan 19, 20266.23%
Jan 26, 20266.19%
Feb 2, 20266.16%
Feb 9, 20266.16%
Feb 16, 20266.16%
Feb 23, 20266.15%
Mar 2, 20266.15%
Mar 9, 20266.15%
Mar 16, 20266.14%
Mar 23, 20266.18%
Mar 30, 20266.20%
Apr 6, 20266.21%
Apr 13, 20266.22%
Apr 20, 20266.21%
Apr 27, 20266.19%
May 4, 20266.20%
May 11, 20266.20%
May 18, 20266.21%
May 25, 20266.22%
Jun 1, 20266.23%
Jun 8, 20266.22%
Jun 15, 20266.23%
Jun 22, 20266.23%
Jun 29, 20266.24%
Jul 6, 20266.24%
Jul 13, 20266.25%
Jul 20, 20266.27%
Jul 27, 20266.26%
Aug 3, 20266.30%
Aug 10, 20266.30%
Aug 17, 20266.30%
Aug 24, 20266.30%
Aug 31, 20266.31%
Sep 7, 20266.32%
Sep 14, 20266.34%
Sep 21, 20266.37%
Sep 28, 20266.38%
Oct 5, 20266.45%
10-year Treasury yield
DayRate
Oct 6, 20254.18%
Oct 7, 20254.14%
Oct 8, 20254.13%
Oct 9, 20254.14%
Oct 10, 20254.05%
Oct 14, 20254.03%
Oct 15, 20254.05%
Oct 16, 20253.99%
Oct 17, 20254.02%
Oct 20, 20254.00%
Oct 21, 20253.98%
Oct 22, 20253.97%
Oct 23, 20254.01%
Oct 24, 20254.02%
Oct 27, 20254.01%
Oct 28, 20253.99%
Oct 29, 20254.08%
Oct 30, 20254.11%
Oct 31, 20254.11%
Nov 3, 20254.13%
Nov 4, 20254.10%
Nov 5, 20254.17%
Nov 6, 20254.11%
Nov 7, 20254.11%
Nov 10, 20254.13%
Nov 12, 20254.08%
Nov 13, 20254.11%
Nov 14, 20254.14%
Nov 17, 20254.13%
Nov 18, 20254.12%
Nov 19, 20254.13%
Nov 20, 20254.10%
Nov 21, 20254.06%
Nov 24, 20254.04%
Nov 25, 20254.01%
Nov 26, 20254.00%
Nov 28, 20254.02%
Dec 1, 20254.09%
Dec 2, 20254.09%
Dec 3, 20254.06%
Dec 4, 20254.11%
Dec 5, 20254.14%
Dec 8, 20254.17%
Dec 9, 20254.18%
Dec 10, 20254.13%
Dec 11, 20254.14%
Dec 12, 20254.19%
Dec 15, 20254.18%
Dec 16, 20254.15%
Dec 17, 20254.16%
Dec 18, 20254.12%
Dec 19, 20254.16%
Dec 22, 20254.17%
Dec 23, 20254.18%
Dec 24, 20254.15%
Dec 26, 20254.14%
Dec 29, 20254.12%
Dec 30, 20254.14%
Dec 31, 20254.18%
Jan 2, 20264.19%
Jan 5, 20264.17%
Jan 6, 20264.18%
Jan 7, 20264.15%
Jan 8, 20264.19%
Jan 9, 20264.18%
Jan 12, 20264.19%
Jan 13, 20264.18%
Jan 14, 20264.15%
Jan 15, 20264.17%
Jan 16, 20264.24%
Jan 20, 20264.30%
Jan 21, 20264.26%
Jan 22, 20264.26%
Jan 23, 20264.24%
Jan 26, 20264.22%
Jan 27, 20264.24%
Jan 28, 20264.26%
Jan 29, 20264.24%
Jan 30, 20264.26%
Feb 2, 20264.29%
Feb 3, 20264.28%
Feb 4, 20264.29%
Feb 5, 20264.21%
Feb 6, 20264.22%
Feb 9, 20264.22%
Feb 10, 20264.16%
Feb 11, 20264.18%
Feb 12, 20264.09%
Feb 13, 20264.04%
Feb 17, 20264.05%
Feb 18, 20264.09%
Feb 19, 20264.08%
Feb 20, 20264.08%
Feb 23, 20264.03%
Feb 24, 20264.04%
Feb 25, 20264.05%
Feb 26, 20264.02%
Feb 27, 20263.97%
Mar 2, 20264.05%
Mar 3, 20264.06%
Mar 4, 20264.09%
Mar 5, 20264.13%
Mar 6, 20264.15%
Mar 9, 20264.12%
Mar 10, 20264.15%
Mar 11, 20264.21%
Mar 12, 20264.27%
Mar 13, 20264.28%
Mar 16, 20264.23%
Mar 17, 20264.20%
Mar 18, 20264.26%
Mar 19, 20264.25%
Mar 20, 20264.39%
Mar 23, 20264.34%
Mar 24, 20264.39%
Mar 25, 20264.33%
Mar 26, 20264.42%
Mar 27, 20264.44%
Mar 30, 20264.35%
Mar 31, 20264.30%
Apr 1, 20264.33%
Apr 2, 20264.31%
Apr 3, 20264.35%
Apr 6, 20264.34%
Apr 7, 20264.33%
Apr 8, 20264.29%
Apr 9, 20264.29%
Apr 10, 20264.31%
Apr 13, 20264.30%
Apr 14, 20264.26%
Apr 15, 20264.29%
Apr 16, 20264.32%
Apr 17, 20264.26%
Apr 20, 20264.26%
Apr 21, 20264.30%
Apr 22, 20264.30%
Apr 23, 20264.34%
Apr 24, 20264.31%
Apr 27, 20264.35%
Apr 28, 20264.36%
Apr 29, 20264.42%
Apr 30, 20264.40%
May 1, 20264.39%
May 4, 20264.45%
May 5, 20264.43%
May 6, 20264.36%
May 7, 20264.41%
May 8, 20264.38%
May 11, 20264.42%
May 12, 20264.46%
May 13, 20264.46%
May 14, 20264.47%
May 15, 20264.59%
May 18, 20264.61%
May 19, 20264.67%
May 20, 20264.57%
May 21, 20264.57%
May 22, 20264.56%
May 26, 20264.50%
May 27, 20264.48%
May 28, 20264.45%
May 29, 20264.45%
Jun 1, 20264.47%
Jun 2, 20264.46%
Jun 3, 20264.49%
Jun 4, 20264.47%
Jun 5, 20264.55%
Jun 8, 20264.56%
Jun 9, 20264.53%
Jun 10, 20264.55%
Jun 11, 20264.45%
Jun 12, 20264.48%
Jun 15, 20264.47%
Jun 16, 20264.43%
Jun 17, 20264.49%
Jun 18, 20264.46%
Jun 22, 20264.51%
Jun 23, 20264.50%
Jun 24, 20264.41%
Jun 25, 20264.40%
Jun 26, 20264.38%
Jun 29, 20264.38%
Jun 30, 20264.44%
Jul 1, 20264.48%
Jul 2, 20264.49%
Jul 6, 20264.48%
Jul 7, 20264.55%
Jul 8, 20264.56%
Jul 9, 20264.54%
Jul 10, 20264.56%
Jul 13, 20264.62%
Jul 14, 20264.58%
Jul 15, 20264.55%
Jul 16, 20264.57%
Jul 17, 20264.55%
Jul 20, 20264.60%
Jul 21, 20264.63%
Jul 22, 20264.67%
Jul 23, 20264.71%
Jul 24, 20264.69%
Jul 27, 20264.65%
Jul 28, 20264.61%
Jul 29, 20264.67%
Jul 30, 20264.68%
Jul 31, 20264.75%
Aug 3, 20264.70%
Aug 4, 20264.63%
Aug 5, 20264.63%
Aug 6, 20264.69%
Aug 7, 20264.65%
Aug 10, 20264.72%
Aug 11, 20264.70%
Aug 12, 20264.68%
Aug 13, 20264.63%
Aug 14, 20264.68%
Aug 17, 20264.72%
Aug 18, 20264.71%
Aug 19, 20264.65%
Aug 20, 20264.69%
Aug 21, 20264.74%
Aug 24, 20264.70%
Aug 25, 20264.64%
Aug 26, 20264.66%
Aug 27, 20264.67%
Aug 28, 20264.73%
Aug 31, 20264.75%
Sep 1, 20264.79%
Sep 2, 20264.79%
Sep 3, 20264.77%
Sep 4, 20264.78%
Sep 8, 20264.80%
Sep 9, 20264.83%
Sep 10, 20264.95%
Sep 11, 20264.96%
Sep 14, 20264.97%
Sep 15, 20265.00%
Sep 16, 20265.01%
Sep 17, 20264.94%
Sep 18, 20265.01%
Sep 21, 20264.96%
Sep 22, 20264.96%
Sep 23, 20265.11%
Sep 24, 20265.18%
Sep 25, 20265.17%
Sep 28, 20265.24%
Sep 29, 20265.26%
Sep 30, 20265.29%
Oct 1, 20265.24%
Oct 2, 20265.28%
Oct 5, 20265.31%
Oct 6, 20265.27%
Oct 7, 20265.28%

Published rates, and our estimate. From Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.

Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.

Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.

10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.

Refinance rates by credit score and down payment

Estimates for Oct 7, 2026, for a $400,000 loan at the points typical for this loan. "Default" marks the borrower the site shows first (760–779 credit, 20% down); "APOR's borrower" the one the average prime offer rate is priced for.

5/6 adjustable-rate refinance: rate and APR by credit score and down payment
Credit70% or more down30% LTV or less40% down30.01–60% LTV30% down60.01–70% LTV25% down70.01–75% LTV20% down75.01–80% LTV15% down80.01–85% LTV10% down85.01–90% LTV5% down90.01–95% LTVless than 5% downabove 95% LTV
780+ credit5.286%APR 6.376%5.286%APR 6.376%5.286%APR 6.376%5.311%APR 6.401%5.386%APR 6.476%5.411%APR 6.501%5.386%APR 6.476%5.361%APR 6.451%5.361%APR 6.451%
760–779 credit5.286%APR 6.376%5.286%APR 6.376%5.311%APR 6.401%5.361%APR 6.451%5.461%APR 6.551%Default5.486%APR 6.576%5.436%APR 6.526%5.411%APR 6.501%5.411%APR 6.501%
740–759 credit5.286%APR 6.376%5.286%APR 6.376%5.336%APR 6.426%5.436%APR 6.526%5.511%APR 6.601%5.561%APR 6.651%5.511%APR 6.601%5.486%APR 6.576%5.486%APR 6.576%
720–739 credit5.286%APR 6.376%5.286%APR 6.376%5.386%APR 6.476%5.486%APR 6.576%5.611%APR 6.701%5.636%APR 6.726%5.586%APR 6.676%5.536%APR 6.626%5.536%APR 6.626%
700–719 credit5.286%APR 6.376%5.286%APR 6.376%5.411%APR 6.501%5.536%APR 6.626%5.661%APR 6.751%5.711%APR 6.801%5.636%APR 6.726%5.611%APR 6.701%5.611%APR 6.701%
680–699 credit5.286%APR 6.376%5.286%APR 6.376%5.461%APR 6.551%5.611%APR 6.701%5.736%APR 6.826%5.786%APR 6.876%5.711%APR 6.801%5.636%APR 6.726%5.636%APR 6.726%
660–679 credit5.286%APR 6.376%5.311%APR 6.401%5.511%APR 6.601%5.661%APR 6.751%5.786%APR 6.876%5.886%APR 6.976%5.761%APR 6.851%5.711%APR 6.801%5.711%APR 6.801%
640–659 credit5.286%APR 6.376%5.336%APR 6.426%5.561%APR 6.651%5.711%APR 6.801%5.861%APR 6.951%5.961%APR 7.051%5.861%APR 6.951%5.786%APR 6.876%5.786%APR 6.876%
credit of 639 or less5.286%APR 6.376%5.361%APR 6.451%5.636%APR 6.726%5.786%APR 6.876%5.986%APR 7.076%6.061%APR 7.151%6.011%APR 7.101%5.786%APR 6.876%5.786%APR 6.876%

Estimate, not an offer. Built from Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.

Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.

Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.

10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.

Purchase rates by credit score and down payment

Estimates for Oct 7, 2026, for a $400,000 loan at the points typical for this loan. "Default" marks the borrower the site shows first (760–779 credit, 20% down); "APOR's borrower" the one the average prime offer rate is priced for.

5/6 adjustable-rate purchase: rate and APR by credit score and down payment
Credit70% or more down30% LTV or less40% down30.01–60% LTV30% down60.01–70% LTV25% down70.01–75% LTV20% down75.01–80% LTV15% down80.01–85% LTV10% down85.01–90% LTV5% down90.01–95% LTVless than 5% downabove 95% LTV
780+ credit5.286%APR 6.376%5.286%APR 6.376%5.286%APR 6.376%5.286%APR 6.376%5.361%APR 6.451%APOR's borrower5.361%APR 6.451%5.336%APR 6.426%5.336%APR 6.426%5.311%APR 6.401%
760–779 credit5.286%APR 6.376%5.286%APR 6.376%5.286%APR 6.376%5.336%APR 6.426%5.411%APR 6.501%Default5.411%APR 6.501%5.386%APR 6.476%5.386%APR 6.476%5.336%APR 6.426%
740–759 credit5.286%APR 6.376%5.286%APR 6.376%5.311%APR 6.401%5.361%APR 6.451%5.461%APR 6.551%5.486%APR 6.576%5.436%APR 6.526%5.411%APR 6.501%5.386%APR 6.476%
720–739 credit5.286%APR 6.376%5.286%APR 6.376%5.336%APR 6.426%5.436%APR 6.526%5.536%APR 6.626%5.536%APR 6.626%5.486%APR 6.576%5.461%APR 6.551%5.436%APR 6.526%
700–719 credit5.286%APR 6.376%5.286%APR 6.376%5.361%APR 6.451%5.461%APR 6.551%5.561%APR 6.651%5.586%APR 6.676%5.536%APR 6.626%5.511%APR 6.601%5.461%APR 6.551%
680–699 credit5.286%APR 6.376%5.286%APR 6.376%5.411%APR 6.501%5.511%APR 6.601%5.636%APR 6.726%5.661%APR 6.751%5.586%APR 6.676%5.561%APR 6.651%5.511%APR 6.601%
660–679 credit5.286%APR 6.376%5.286%APR 6.376%5.436%APR 6.526%5.561%APR 6.651%5.661%APR 6.751%5.711%APR 6.801%5.636%APR 6.726%5.611%APR 6.701%5.536%APR 6.626%
640–659 credit5.286%APR 6.376%5.286%APR 6.376%5.511%APR 6.601%5.586%APR 6.676%5.736%APR 6.826%5.786%APR 6.876%5.686%APR 6.776%5.661%APR 6.751%5.586%APR 6.676%
credit of 639 or less5.286%APR 6.376%5.311%APR 6.401%5.586%APR 6.676%5.711%APR 6.801%5.836%APR 6.926%5.861%APR 6.951%5.811%APR 6.901%5.736%APR 6.826%5.636%APR 6.726%

Estimate, not an offer. Built from Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.

Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.

Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.

10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.

How we estimate it

The estimate starts from the week's average prime offer rate (APOR) for the 5/6 adjustable-rate, an annual percentage rate (APR) for a borrower with the best credit and 20% or more down. Between weeks it moves 0.064 times as far as the 10-year Treasury yield since the week APOR was surveyed: the fit of 182 weekly changes from Apr 10, 2023 to Oct 5, 2026, which explains a share of 0.027 of APOR's moves.

Each credit band and down payment then pays its own loan-level price adjustment from Fannie Mae's matrix, less the one APOR's borrower pays (780+ credit, 20% down, purchase), at 0.2 percentage points of rate per point.

The rate shown is the note rate at 0.56 points, typical for this loan: 1.09 percentage points below the APR.

A national estimate, the same in every state. A local adjustment, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA), comes later.

Estimate, not an offer. Built from Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.

Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.

Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.

10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.

About the 5/6 adjustable-rate

A 5/6 adjustable-rate mortgage (ARM) keeps its starting rate for the first years, then resets every few months to an index, the Secured Overnight Financing Rate (SOFR), plus a margin. Its starting rate is lower than a fixed rate; its annual percentage rate (APR), which assumes the reset, sits well above the starting rate.

The starting rate follows short-term rates more than the ten-year Treasury yield, so between the weekly updates of the average prime offer rate (APOR) our estimate barely moves. It is the least certain of our estimates.