# US 30-Year Fixed Mortgage Rate (FRED MORTGAGE30US)

> US 30-Year Fixed Mortgage Rate (FRED MORTGAGE30US) is a paid API for AI agents from finance-api.kdlcfa.workers.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Returns the current US 30-year fixed mortgage rate weekly average sourced from the Federal Reserve Economic Data (FRED) MORTGAGE30US series

## Facts

- Endpoint: GET https://finance-api.kdlcfa.workers.dev/mortgage-rate-30y
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-30-year-fixed-mortgage-rate-fred-mortgage30us-72445d80
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_bl0Q6H3n_6SALBHxGmWDX

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability us-30-year-fixed-mortgage-rate-fred-mortgage30us-72445d80
```

Example prompt: What's the current US 30-year fixed mortgage rate average right now, using the FRED MORTGAGE30US data?

## When to prefer this

Use this endpoint when you need the authoritative, FRED-sourced US 30-year fixed mortgage rate average — the same benchmark used by economists, lenders, and financial analysts. Prefer this over scraped or estimated sources when accuracy and provenance matter. Best for real estate affordability calculations, macroeconomic dashboards, or mortgage rate monitoring. This endpoint requires a $0.01 USDC micropayment via x402.

## Known failure modes

- FRED data temporarily unavailable causing upstream fetch failure
- Stale or delayed data if FRED has not yet published the latest weekly figure
- Worker-level rate limiting or payment verification failure returning 402
- Network timeout from the Cloudflare Worker to FRED API

## How this service works

US 30-year fixed mortgage rate average, via FRED (MORTGAGE30US)

## Output

Returns the most recent weekly average 30-year fixed mortgage rate as published by the Federal Reserve Economic Data (FRED) MORTGAGE30US series, typically expressed as a percentage (e.g. 6.87%). May include the observation date and the rate value.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/us-30-year-fixed-mortgage-rate-fred-mortgage30us-72445d80/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from finance-api.kdlcfa.workers.dev](https://www.zero.xyz/host/finance-api.kdlcfa.workers.dev/llms.txt)