As of Monday, May 5, 2025, the national average 30-year fixed FHA mortgage interest rate is approximately 6.49% to 6.81%, with some sources reporting around 6.49% as the average rate and others showing 6.81% as a current figure
. The average 30-year FHA refinance interest rate is about 6.74%
. Rates can vary slightly depending on the lender and borrower's creditworthiness. For example, with a credit score around 700, FHA loan rates are roughly 5.74%, but this can fluctuate daily
. FHA rates tend to be slightly lower than conventional loan rates but come with different upfront costs and mortgage insurance requirements
. In summary:
- 30-year fixed FHA mortgage rate: ~6.49% to 6.81%
- 30-year FHA refinance rate: ~6.74%
- Rates vary by credit score and lender
These rates are subject to daily changes and market conditions
