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Market Data & Rate Center

The economic indicators that matter most for reverse mortgage decisions — updated regularly with plain-English context for homeowners 62 and older.

Interest Rates

Interest rates directly affect how much equity you can access through a reverse mortgage. Lower rates generally mean higher loan proceeds.

6.01%
▼ 0.08 pts
30-Year Fixed Mortgage Rate
Benchmark for HECM expected rates
As of Feb 19, 2026
3.64%
▼ 0.08 pts
Federal Funds Rate
Set by the Federal Reserve
As of Jan 1, 2026
4.08%
▼ 0.01 pts
10-Year Treasury Rate
Influences long-term mortgage rates
As of Feb 19, 2026
3.50%
▲ 0.01 pts
1-Year Treasury Rate
Tracks adjustable-rate HECM index
As of Feb 19, 2026
30-Year Mortgage Rate 12 months, weekly
Federal Funds Rate 24 months, monthly

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Moderate Rate Environment
At 6.01%, rates are in a moderate range. Reverse mortgage proceeds will reflect this — not at their peak, but still a viable option for accessing your home equity. This is a reasonable environment to explore a HECM if the timing fits your needs.
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Data Source: All market data on this page is sourced from Federal Reserve Economic Data (FRED), maintained by the Federal Reserve Bank of St. Louis. Data is updated according to each indicator's publication schedule (daily, weekly, monthly, or quarterly).

This information is provided for educational purposes only and does not constitute financial, investment, or legal advice. Reverse mortgage terms depend on individual circumstances including age, home value, and interest rates at the time of application. Consult a HUD-approved counselor and qualified lender for personalized guidance.