Updated March 2026
Mortgage Interest Rate in Japan (2026)
1.40%
Ranked #1 of 161 • Global avg 10.43%
The average mortgage interest rate in Japan is currently 1.40%, below the global average of 10.43% across the 30 economies tracked by NoodlePants.
Among the 30 economies tracked by NoodlePants, Japan ranks #1 for mortgage rate — placing it firmly in the top tier.
For buyers, a 1.40% rate means roughly $1,400 in interest per year on a $100,000 mortgage, before principal.
All financial metrics for Japan
Where Japan ranks globally
#1Japan
1.40%
#2Taiwan
2.20%
#3Switzerland
2.30%
#4Bulgaria
3.00%
#5Croatia
3.60%
#6Malta
3.60%
#7Spain
3.60%
#8Belgium
3.70%
#9Germany
3.90%
#10Slovenia
3.90%
#11China
4.00%
#12Finland
4.00%
Compare Japan's mortgage rate
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