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FHA 30-year fixed rates sit at 5.750% in April 2026. Where are they headed for the rest of the year? Here is what the data says and what smart FHA buyers should do.
FHA rates have been trending sideways since January 2026, hovering between 5.625% and 5.875%. This is significantly lower than the 7%+ peaks of late 2023 but above the 3% lows of 2021.
FHA rates follow the 10-year Treasury yield, Federal Reserve policy, and inflation data. The Fed has signaled potential rate cuts in the second half of 2026 if inflation continues cooling — which could push FHA rates into the low 5% range.
Waiting for the "perfect" rate costs you money. Every month you rent instead of own is a month of zero equity. If you qualify now, buy now and refinance later if rates drop. Valley West locks your rate the moment you are ready. See today's FHA rates →
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