Refinancing · 383 markets

Refinancing costs, by state and province

Compare refinancing costs across 383 U.S. and Canadian markets. Where an authority publishes a figure it is shown with the publisher and the date; where none exists the page says so.

Refinancing costs are documented below with 11 published figures from 2 publishers. 383 markets have a page for this subject, each showing a sourced figure where one is published and the source policy where none is.

Refinancing — published national figures
FigureValueAs ofPublished by
Bank prime loan rate
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
6.75%16 September 2026Board of Governors of the Federal Reserve System
Federal funds rate (effective)
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
3.63%16 September 2026Board of Governors of the Federal Reserve System
Treasury bill, secondary market, 3-month
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
3.99%16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 10-year
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
5.01%16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 30-year
H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations)
5.35%16 September 2026Board of Governors of the Federal Reserve System
Treasury bill, secondary market, 3-month — change over the published window
Computed from H.15 between 2026-09-10 (3.86) and 2026-09-16 (3.99)
+0.13 pp16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 10-year — change over the published window
Computed from H.15 between 2026-09-10 (4.95) and 2026-09-16 (5.01)
+0.06 pp16 September 2026Board of Governors of the Federal Reserve System
Treasury constant maturity, 30-year — change over the published window
Computed from H.15 between 2026-09-10 (5.37) and 2026-09-16 (5.35)
-0.02 pp16 September 2026Board of Governors of the Federal Reserve System
30-year fixed mortgage rate
Weekly national average, Primary Mortgage Market Survey
6.95%17 September 2026Freddie Mac Primary Mortgage Market Survey
15-year fixed mortgage rate
Weekly national average, Primary Mortgage Market Survey
6.26%17 September 2026Freddie Mac Primary Mortgage Market Survey
30-year fixed mortgage rate, 12 months earlier
Week of 9/18/2025; current week 9/17/2026 = 6.95%
6.26%18 September 2025Freddie Mac Primary Mortgage Market Survey

These are national figures. State and provincial pages repeat them and say so, because most authorities do not publish a price series below the national level.

Where these figures come from

Board of Governors of the Federal Reserve System — https://www.federalreserve.gov/releases/h15/
Figures dated 16 September 2026; page data retrieved 18 September 2026.

Freddie Mac Primary Mortgage Market Survey — https://www.freddiemac.com/pmms
Figures dated 17 September 2026; page data retrieved 18 September 2026.

How refinancing pricing works

A published refinance figure for the United States and Canada is an average drawn from the organisation that publishes it, so it is a benchmark rather than a quote. The price you are actually offered is assembled from several parts, and each part can move independently of the national or regional average.

  • Labour: the hours the work takes and the prevailing local wage for the trade or professional that performs it.
  • Materials and inputs: the quantity, grade and local availability of what is supplied or installed.
  • Permits and inspections: fees set by the municipality or authority that has jurisdiction over the work.
  • Access and travel: how far a provider must travel and how difficult the site or the case is to reach.
  • Timing: seasonal demand, emergency or out-of-hours call-outs, and how soon the work has to be done.
  • Scope: whether the job is a minor repair, a partial replacement or a full replacement.

Because those parts differ from one market to the next, two written quotes for the same described job can differ without either being wrong. The published figure on this page tells you where the market sits; an itemised quote tells you what you would actually pay. Compare quotes line by line rather than against a single average.

This page does not quote refinance work and is not a contractor. Nothing here is an offer, a quote or an estimate.

Every market for refinancing costs

383 markets have a page. A market with a published figure or index carries it with the source and date; a market without one carries the source policy instead.

Countries use different published series: U.S. figures come from the Bureau of Labor Statistics and federal agencies, Canadian figures from Statistics Canada and the Bank of Canada. They are not comparable across the border.

Questions about these figures

How many sourced data points does this refinancing page carry?
This page carries 11 sourced data points from 2 publishers, each with its publication date and a link to the source.
Is refinancing pricing the same everywhere in the United States?
No. Published national figures are averages; local labour rates, permits, taxes and travel charges move the number. Use the national figure as a starting point and get local quotes before budgeting.
Can refinance be financed?
Costs of this kind are sometimes paid for with a personal loan or a point-of-sale payment plan. Terms, rates and eligibility are set by the lender, not by this site, and the lowest rates are only available to the most qualified applicants. This site is not a lender and does not make credit decisions.
How should I use these figures?
Use them to sanity-check quotes, never to replace one. Get at least three local quotes in writing, confirm what is included, and ask what would change the price.

Confirm before you budget

Get at least three local quotes in writing, confirm what each one includes, and ask what would change the price. A published average is a starting point, not an offer.

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