Market Data
Rates & Costs
This week's mortgage rates and what it costs to heat a home in the North Country. Updated automatically.
Mortgage Rates
Week of November 12, 2026
30-year fixed
7.11%
Last 12 months
From last week▼ 0.07%
A year ago6.24%
15-year fixed
6.45%
Last 12 months
From last week▼ 0.12%
A year ago5.49%
These are national averages. Your rate depends on your credit, down payment, and loan type. USDA, VA, and FHA loans have their own rates and requirements.
Source: Freddie Mac Primary Mortgage Market Survey®, via FRED (Federal Reserve Bank of St. Louis). Updated every Thursday.
North Country Heating Fuel Prices
Survey of November 2, 2026
Heating oil
$6.09/gal
From last survey▲ $0.03
A year ago$3.52
Propane
$3.41/gal
From last survey▲ $0.10
A year ago$2.79
Kerosene
$6.39/gal
From last survey▲ $0.14
A year ago$4.01
Average residential prices for the North Country region (Clinton, Essex, Franklin, Hamilton, Jefferson, Lewis, St. Lawrence, and Warren counties). Source: NYSERDA weekly heating fuel survey, via data.ny.gov. Surveyed weekly September through March and every two weeks the rest of the year. Your dealer's price will vary.