Wednesday, November 11, 2026Mortgage news · Rates & market context

Inflation · ORIGINAL ECONOMIC RELEASE

October 2026 Consumer Price Index

The Consumer Price Index for All Urban Consumers (CPI-U) increased 0.4 percent on a seasonally adjusted basis in October after rising 0.6 percent in September, the U.S. Bureau of Labor Statistics reported today.

Historical releaseThe figures below describe the original reporting period. They are not today’s rates or a current economic forecast.Today’s market brief →

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Historical release narrative reproduced from the official public-domain source. Statistical tables, standard technical appendices, administrative material and attendance rosters are omitted; formatting is adapted for reading. Figures retain the release's historical context and may have been revised. Consult the linked source for the complete document.

The Consumer Price Index for All Urban Consumers (CPI-U) increased 0.4 percent on a seasonally adjusted basis in October after rising 0.6 percent in September, the U.S. Bureau of Labor Statistics reported today.

The index for shelter rose 0.3 percent in October, accounting for over thirty percent of the monthly all items increase. The food index increased 0.5 percent in October, as the food at home index rose 0.4 percent and the food away from home index increased 0.5 percent. The index for energy increased 0.7 percent over the month following a 5.2-percent increase in September.

The index for all items less food and energy rose 0.3 percent in October, as it did in September and August. Indexes that increased over the month include recreation, medical care, motor vehicle insurance, household furnishings and operations, and education. Conversely, the index for used cars and trucks and the index for communication were among the small number of major indexes that decreased in October.

October 2026 12-Month Percent Changes

BLS did not collect survey data for October 2025 because of a lapse in appropriations. For most CPI series, BLS could not publish October 2025 indexes. As a result, BLS cannot publish 12-month percent changes for October 2026 for indexes where October 2025 data are unavailable. Information about handling missing data is available online at www.bls.gov/cpi/factsheets/approximating-missing-data.htm

Food

The index for food rose 0.5 percent in October after being unchanged in September. The food at home index increased 0.4 percent over the month. Four of the six major grocery store food group indexes increased in October, while one index decreased. The index for other food at home increased 0.7 percent in October, as the index for snacks rose 1.0 percent. The meats, poultry, fish, and eggs index increased 0.5 percent over the month, as the beef index rose 0.9 percent. The index for fruits and vegetables and the index for dairy and related products each increased 0.6 percent in October.

In contrast, the nonalcoholic beverages index decreased 0.3 percent in October, after rising 0.9 percent in September. The index for cereals and bakery products was unchanged over the month.

The food away from home index rose 0.5 percent in October. The index for full service meals rose 0.7 percent, and the index for limited service meals increased 0.4 percent over the month.

Energy

The index for energy increased 0.7 percent in October after rising 5.2 percent in September. The gasoline index increased 1.0 percent over the month, after advancing 9.1 percent the previous month. (Before seasonal adjustment, gasoline prices decreased 0.7 percent in October.) The index for electricity rose 0.9 percent over the month. In contrast, the natural gas index decreased 0.8 percent in October.

All items less food and energy

The index for all items less food and energy rose 0.3 percent in October, as it did in September and August. The shelter index increased 0.3 percent over the month after rising 0.4 percent in September. The index for owners' equivalent rent rose 0.3 percent in October, and the index for rent increased 0.2 percent. The lodging away from home index rose 0.6 percent in October after rising 2.0 percent the previous month.

The index for recreation increased 0.8 percent over the month after rising 0.5 percent in September. The motor vehicle insurance index rose 0.7 percent in October, and the household furnishings and operations index increased 0.2 percent. The index for education increased 0.3 percent in October, and the index for new vehicles rose 0.2 percent. The personal care index, the airline fares index, and the apparel index also increased over the month.

The medical care index increased 0.3 percent in October after rising 0.1 percent in September. The index for hospital services rose 0.8 percent over the month, and the index for physicians' services increased 0.4 percent. The prescription drugs index rose 0.3 percent in October.

The index for used cars and trucks declined 1.2 percent in October after rising 0.7 percent in September. The communication index decreased 0.1 percent over the month.

Not seasonally adjusted CPI measures

The Consumer Price Index for All Urban Consumers (CPI-U) increased to an index level of 337.511 (1982-84=100). For the month, the index rose 0.2 percent prior to seasonal adjustment.

The Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) increased to an index level of 331.147 (1982-84=100). For the month, the index increased 0.1 percent prior to seasonal adjustment.

For the month, the Chained Consumer Price Index for All Urban Consumers (C-CPI-U) increased 0.2 percent on a not seasonally adjusted basis. Please note that the indexes for the past 10 to 12 months are subject to revision.

The Consumer Price Index news release for November 2026 is scheduled to be published on Thursday, December 10, 2026, at 8:30 a.m. (ET).

Upcoming Consumer Price Index Publication Changes

With the publication of January 2027 CPI data on February 11, 2027, several index titles will change: "wireless telephone services" will change to "wireless telephone service"; "physicians' services" will change to "physician services"; and "music instruments and accessories" will change to "music instruments and accessories including instrument rentals." More information is available online at www.bls.gov/cpi/additional-resources/series-title-changes.htm

Source: U.S. Bureau of Labor Statistics · Original release Nov 10, 2026.

Archived Nov 11, 2026. Source reuse policy. Formatting has been adapted for reading; the source’s conclusions remain attributed to its publisher.

MortgageRates.news analysis · Historical context

The mortgage market around this release

This original analysis is separate from the source article. It compares observed benchmarks around ; historical averages and yields are not current mortgage offers.

Read consumer inflation on a consistent basis

The Consumer Price Index measures changes in prices paid by urban consumers for a basket of goods and services. Check the index, reference month and seasonal adjustment before comparing figures. A monthly change and a twelve-month change describe different periods; the all-items index and the measure excluding food and energy cover different baskets. Consumer inflation informs the wider policy discussion, but the benchmark comparison below does not isolate this release from other information arriving during the month. BLS Consumer Price Index.

Nearest published observation on or before each target date
Benchmark30 days earlierOct 11, 2026Publication referenceNov 10, 202630 days laterDec 10, 2026
30-year fixed mortgageNational weekly averageFreddie Mac Primary Mortgage Market Survey®7.40%Observed 7.18%Observed −22 bps vs. earlier referenceUnavailableWindow ends Dec 10, 2026.
10-year TreasuryDaily par yieldU.S. Department of the Treasury5.24%Observed 4.98%Observed −26 bps vs. earlier referenceUnavailableWindow ends Dec 10, 2026.

Calendar references, not an intraday reaction. A same-day market observation may have been published after a morning release. These figures do not show what was known at its exact publication time. One basis point (bp) is 0.01 percentage point; changes use the actual dated observations shown.

The following 30-day window ends Dec 10, 2026. A completed-window comparison will appear when that date has passed and the source history covers it.

Six months around publication

Aug 10, 2026 – Feb 10, 2027
Historical mortgage and Treasury observations around Nov 10, 2026Each dot is a published observation. No missing values are estimated. The dashed vertical line marks the article’s publication calendar date. Rates and yields are percentages.4.50%6.00%7.50%Publication date30-year fixed mortgage: 6.67% · Aug 13, 202630-year fixed mortgage: 6.65% · Aug 20, 202630-year fixed mortgage: 6.66% · Aug 27, 202630-year fixed mortgage: 6.71% · Sep 3, 202630-year fixed mortgage: 6.76% · Sep 10, 202630-year fixed mortgage: 6.95% · Sep 17, 202630-year fixed mortgage: 7.03% · Sep 24, 202630-year fixed mortgage: 7.28% · Oct 1, 202630-year fixed mortgage: 7.40% · Oct 8, 202630-year fixed mortgage: 7.40% · Oct 15, 202630-year fixed mortgage: 7.32% · Oct 22, 202630-year fixed mortgage: 7.24% · Oct 29, 202630-year fixed mortgage: 7.18% · Nov 5, 202610-year Treasury: 4.72% · Aug 10, 202610-year Treasury: 4.70% · Aug 11, 202610-year Treasury: 4.68% · Aug 12, 202610-year Treasury: 4.63% · Aug 13, 202610-year Treasury: 4.68% · Aug 14, 202610-year Treasury: 4.72% · Aug 17, 202610-year Treasury: 4.71% · Aug 18, 202610-year Treasury: 4.65% · Aug 19, 202610-year Treasury: 4.69% · Aug 20, 202610-year Treasury: 4.74% · Aug 21, 202610-year Treasury: 4.70% · Aug 24, 202610-year Treasury: 4.64% · Aug 25, 202610-year Treasury: 4.66% · Aug 26, 202610-year Treasury: 4.67% · Aug 27, 202610-year Treasury: 4.73% · Aug 28, 202610-year Treasury: 4.75% · Aug 31, 202610-year Treasury: 4.79% · Sep 1, 202610-year Treasury: 4.79% · Sep 2, 202610-year Treasury: 4.77% · Sep 3, 202610-year Treasury: 4.78% · Sep 4, 202610-year Treasury: 4.80% · Sep 8, 202610-year Treasury: 4.83% · Sep 9, 202610-year Treasury: 4.95% · Sep 10, 202610-year Treasury: 4.96% · Sep 11, 202610-year Treasury: 4.97% · Sep 14, 202610-year Treasury: 5.00% · Sep 15, 202610-year Treasury: 5.01% · Sep 16, 202610-year Treasury: 4.94% · Sep 17, 202610-year Treasury: 5.01% · Sep 18, 202610-year Treasury: 4.96% · Sep 21, 202610-year Treasury: 4.96% · Sep 22, 202610-year Treasury: 5.11% · Sep 23, 202610-year Treasury: 5.18% · Sep 24, 202610-year Treasury: 5.17% · Sep 25, 202610-year Treasury: 5.24% · Sep 28, 202610-year Treasury: 5.26% · Sep 29, 202610-year Treasury: 5.29% · Sep 30, 202610-year Treasury: 5.24% · Oct 1, 202610-year Treasury: 5.28% · Oct 2, 202610-year Treasury: 5.31% · Oct 5, 202610-year Treasury: 5.27% · Oct 6, 202610-year Treasury: 5.28% · Oct 7, 202610-year Treasury: 5.22% · Oct 8, 202610-year Treasury: 5.24% · Oct 9, 202610-year Treasury: 5.21% · Oct 13, 202610-year Treasury: 5.19% · Oct 14, 202610-year Treasury: 5.10% · Oct 15, 202610-year Treasury: 5.09% · Oct 16, 202610-year Treasury: 5.15% · Oct 19, 202610-year Treasury: 5.12% · Oct 20, 202610-year Treasury: 5.13% · Oct 21, 202610-year Treasury: 4.96% · Oct 22, 202610-year Treasury: 5.00% · Oct 23, 202610-year Treasury: 5.00% · Oct 26, 202610-year Treasury: 4.99% · Oct 27, 202610-year Treasury: 5.05% · Oct 28, 202610-year Treasury: 4.98% · Oct 29, 202610-year Treasury: 4.94% · Oct 30, 202610-year Treasury: 4.91% · Nov 2, 202610-year Treasury: 4.95% · Nov 3, 202610-year Treasury: 4.90% · Nov 4, 202610-year Treasury: 4.84% · Nov 5, 202610-year Treasury: 4.86% · Nov 6, 202610-year Treasury: 4.88% · Nov 9, 202610-year Treasury: 4.98% · Nov 10, 2026Aug 10, 2026Nov 10, 2026Feb 10, 2027
30-year fixed mortgage13 observations10-year Treasury65 observations
Dots show published observations only. Missing dates remain blank, with no interpolation. The future portion of the window has no observations. The series have different publication schedules and measure different markets.
Sources, historical coverage and calculation limits

The 30-day comparisons use calendar days. Each cell selects the last published observation on or before its target; no rates are synthesized for missing dates. Gaps greater than seven days for daily Treasury data or fourteen days for weekly mortgage data are marked unavailable. Forward comparisons require the date to have arrived and source coverage to extend through it.

Historical files may contain revisions and do not reconstruct precisely what every market participant knew at the time. Freddie Mac changed its PMMS collection methodology in November 2022. Cross-period comparisons should account for that change. These windows include other news and cannot establish causation or forecast the next rate move.

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