{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.getloans.com\/blog\/220-year-history-of-interest-rates\/#BlogPosting","mainEntityOfPage":"https:\/\/www.getloans.com\/blog\/220-year-history-of-interest-rates\/","headline":"220 Year History of Interest Rates","name":"220 Year History of Interest Rates","description":"A while back, I published a chart of interest rates that went back about 40 years. I did this in an attempt to show that the recent increase in interest rates, as well as future interest rate increases, is not a major event when put into historical context. Interest rate history is almost as important […]","datePublished":"2014-02-21","dateModified":"2024-09-26","author":{"@type":"Person","@id":"https:\/\/www.getloans.com\/blog\/author\/brianm\/#Person","name":"brianm","url":"https:\/\/www.getloans.com\/blog\/author\/brianm\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b03dd1a5c12d48f4023463adfa5dbd6d38ebf6f4d842bd8f8d55ec71cb0ca275?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b03dd1a5c12d48f4023463adfa5dbd6d38ebf6f4d842bd8f8d55ec71cb0ca275?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Person","name":"Brian Martucci","image":{"@type":"ImageObject","@id":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","url":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","width":400,"height":70}},"image":{"@type":"ImageObject","@id":"https:\/\/www.getloans.com\/wp-content\/uploads\/2014\/02\/Screenshot-2023-02-26-at-10.25.10-AM.jpg","url":"https:\/\/www.getloans.com\/wp-content\/uploads\/2014\/02\/Screenshot-2023-02-26-at-10.25.10-AM.jpg","height":990,"width":1346},"url":"https:\/\/www.getloans.com\/blog\/220-year-history-of-interest-rates\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=s4mx3ftRUC8#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=s4mx3ftRUC8","name":"Mortgage Interest Rate Chart - Long Term | Brian Martucci Mortgage Lender","description":"http:\/\/www.GetLoans.com | Did you know that the loan rate market is as dynamic as the stock market? When you get a rate quote it may change by the next day, or even by that same afternoon. When you take a look at the big picture, interest rates today are arguably very low. Interest rates have been trending up, but when you really look at the whole scale, historically interest rates have only been this low a few times. There are many moving parts to housing prices and interest rates but it's interesting to see what has happened in the past in order to hypothesize future changes.\n\nGet to know Brian Martucci, a mortgage lender serving all 50 states and Washington D.C. Visit Brian's blog today for valuable insights into the mortgage industry, home-buying advice, and mortgage loan information: http:\/\/www.GetLoans.com\/Blog\n\nCheck out my client reviews and happy mortgage loan customers: \nZillow (162 Reviews):  http:\/\/bit.ly\/BrianMartucciZillowReviews\nGoogle (75 Reviews):  http:\/\/bit.ly\/BrianMartucciGoogleReviews\nYelp (82 Reviews):  http:\/\/bit.ly\/BrianMartucciYelpReviews\nFacebook (28 Reviews):  http:\/\/bit.ly\/BrianMartucciFacebookReviews\nLinkedIn (12 Reviews):  http:\/\/bit.ly\/BrianMartucciLinkedInReviews\n\nBrian Martucci is a mortgage lender with a proven track record of helping his clients in mortgage success. Visit Brian's website to get started with a home loan today! http:\/\/www.GetLoans.com","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/s4mx3ftRUC8\/default.jpg","https:\/\/i.ytimg.com\/vi\/s4mx3ftRUC8\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/s4mx3ftRUC8\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/s4mx3ftRUC8\/sddefault.jpg"],"uploadDate":"2018-04-25T23:31:49+00:00","duration":"PT3M13S","embedUrl":"https:\/\/www.youtube.com\/embed\/s4mx3ftRUC8","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCtzgXcFj13brckkNS9QLR2w#Organization","url":"https:\/\/www.youtube.com\/channel\/UCtzgXcFj13brckkNS9QLR2w","name":"Brian Martucci, Mortgage Lender","description":"Brian Martucci Mortgage Lending is a direct lender for home buyers seeking a mortgage, or homeowners looking to refinance a home. Brian Martucci Mortgage Lending serves all 50 states and is in the top 1\/10th of 1% off all loan officers nationwide. \n\nIn the mortgage industry since 1986, Brian Martucci offers a loan experience that's hard to beat!\n\n-We choose between multiple lending sources, which provides you competitive pricing.\n-As a direct lender, everything is done completely in-house, which is critical to a smooth transaction.\n-Float Downs are offered to secure better terms if pricing drops after the loan process has started.\n-We provide an online Loan Status Tool to keep you informed during every step of the loan process.\n-Only local appraisers are used.\n\nLearn more about how I can help you with your home loan by visiting https:\/\/GetLoans.com today! Or, contact me via email at: Brian@GetLoans.com.","logo":{"url":"https:\/\/yt3.ggpht.com\/ytc\/AIdro_n9Lk7Lj7LtzCXKu_peXAYB-hP5gJ-AkBasJ0Uorx_jww=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=s4mx3ftRUC8#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=s4mx3ftRUC8#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=s4mx3ftRUC8&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=s4mx3ftRUC8#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":738}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=s4mx3ftRUC8#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":4}]},"about":["interest rates"],"wordCount":278,"keywords":["history of rates","interest rate","interest rates"],"articleBody":"A while back, I published a chart of interest rates that went back about 40 years. I did this in an attempt to show that the recent increase in interest rates, as well as future interest rate increases, is not a major event when put into historical context. Interest rate history is almost as important as current interest rates.I want to put this into a larger perspective. How about looking at a 220-year history of interest rates? \ufeffI found this 220-year chart on an investing website called The Capital Spectator.It is fascinating to me to see long-term interest rate history data like this. It puts today\u2019s financial numbers into perspective. It seems to me the average interest rate level in this country is about 6.5%, which is a long way from where we are now.Interest rates were in the mid 6\u2019s around 1789 when the US Constitution was ratified! So it always makes me chuckle a bit when a client is concerned that interest rates nudged up 1\/8% or 1\/4%, let\u2019s say rates go from 4.25% to 4.50%. That is so far away from the average level of interest rates in this country.And take a look at a 5,000 year history of rates!I understand a client\u2019s need for competitive terms on a mortgage.\u00a0But I hope this chart helps us all realize that rates will be higher than they are now at some point, and then they\u2019ll be lower, and then they\u2019ll be higher yet again. The economy moves on, life continues, and everything works out OK.If you’re ready to buy a home now and need a mortgage, start by getting a rate quote."}