10 Yr fixed rate mortgage 10 year Fixed rate mortgage calculator Use this free tool to figure your monthly payments on a 10-year FRM for a given loan amount. current 10-year home loan rates are shown beneath the calculator.Average U.S. Mortgage Rates 2019 – ValuePenguin – The average rate for a 30-year fixed rate mortgage is currently 4.49%, with actual offered rates ranging from 3.50% to 7.84%. Home loans with shorter terms or adjustable rate structures tend to have lower average interest rates.