Georgia Mortgage Rates Today
Current rates for April 5, 2026. Compare 30-year, 15-year, FHA, VA, and more.
30-Year Fixed Rate
6.65%
Georgia's most popular mortgage option
15-Year Fixed
5.90%
5/1 ARM
6.10%
All Current Rates
Rates are averages and may vary by lender, credit score, and loan details.
30-Year Fixed
Best for: Stability seekers, long-term homeowners
15-Year Fixed
Best for: Refinancers, those who can afford higher payments
5/1 Adjustable Rate (ARM)
Best for: Short-term owners, those expecting rate drops
FHA Loan
Best for: First-time buyers, lower credit scores (580+)
VA Loan
Best for: Veterans, active duty, eligible surviving spouses
Jumbo Loan
Best for: Luxury home buyers, high-value properties
📊 Market Context: 10-Year Treasury
The 10-year Treasury yield is a key benchmark for mortgage rates. When Treasury yields rise, mortgage rates tend to follow.
Mortgage rates in Georgia typically track 1.5 to 2.5 percentage points above the 10-year Treasury yield. Current spread: 2.40 percentage points.
📈 Understanding Rate Trends
Mortgage rates are influenced by several factors:
- • Federal Reserve policy - rate decisions affect borrowing costs
- • Inflation data - higher inflation typically pushes rates up
- • Economic indicators - jobs data, GDP, and consumer spending
- • Bond market - Treasury yields directly influence mortgage rates
🍑 Georgia-Specific Factors
Georgia homebuyers should also consider:
- • Georgia Dream Program - down payment assistance for first-time buyers
- • Property taxes - vary by county (avg ~1% of assessed value)
- • Homestead exemption - can reduce your property tax bill
- • USDA loans - many rural GA areas qualify for $0 down
Frequently Asked Questions
What are the current mortgage rates in Georgia?
As of April 5, 2026, the average 30-year fixed mortgage rate in Georgia is 6.65%. The 15-year fixed rate is 5.90%, and the 5/1 ARM rate is 6.10%.
Are Georgia mortgage rates different from the national average?
Georgia rates generally track close to national averages, though individual lender rates may vary. Factors like your credit score, down payment, and loan type have a bigger impact than state-level differences.
How often do mortgage rates change?
Mortgage rates can change daily or even multiple times per day. We update our rate data every 6 hours from Federal Reserve Economic Data (FRED). The rates shown are averages and your actual rate will depend on your financial profile.
What credit score do I need for the best rates in Georgia?
For the best conventional loan rates, aim for a 740+ credit score. FHA loans are available with scores as low as 580. VA loans have flexible credit requirements for eligible veterans.
Rates shown are averages from Federal Reserve data. Your actual rate will vary based on credit score, down payment, loan type, and lender.