{
  "updated": "2026-09-28",
  "note": "Average mortgage rates used as APR presets by /tools/mortgage.html, and the USD/CAD exchange rate used by /tools/tax.html. Refreshed by scripts/update-rates.py at deploy time; both pages also refresh the Bank of Canada series live.",
  "US": {
    "fixed30": {
      "rate": 7.03,
      "date": "2026-09-24",
      "label": "30-year fixed, Freddie Mac PMMS weekly average",
      "source": "https://fred.stlouisfed.org/series/MORTGAGE30US"
    },
    "fixed15": {
      "rate": 6.42,
      "date": "2026-09-24",
      "label": "15-year fixed, Freddie Mac PMMS weekly average",
      "source": "https://fred.stlouisfed.org/series/MORTGAGE15US"
    }
  },
  "CA": {
    "fixed5": {
      "rate": 4.24,
      "date": "2026-08-25",
      "label": "5-year fixed, high-ratio mortgage (Bank of Canada)",
      "source": "https://www.bankofcanada.ca/valet/observations/FVI_MTG_RATE_5Y_FIX/json"
    },
    "posted5": {
      "rate": 6.09,
      "date": "2026-09-23",
      "label": "5-year conventional, posted (Bank of Canada)",
      "source": "https://www.bankofcanada.ca/valet/observations/V80691335/json"
    },
    "variable": {
      "rate": 3.58,
      "date": "2026-09-24",
      "label": "Estimated variable rate (Bank of Canada)",
      "source": "https://www.bankofcanada.ca/valet/observations/BROKER_AVERAGE_5YR_VRM/json"
    }
  },
  "FX": {
    "USDCAD": {
      "rate": 1.4168,
      "date": "2026-09-28",
      "label": "USD/CAD daily average exchange rate, CAD per USD (Bank of Canada)",
      "source": "https://www.bankofcanada.ca/valet/observations/FXUSDCAD/json"
    }
  }
}