Average mortgage rates during 2006, 2007 and 2008, were respectively 6.41%, 6.35% and 6.04% with average points being around 0.5 for all years. Currently rates have begun to creep back up from historical lows of around 4.0% to currently around 5.0%.
So even though rates are higher than what they were just recently, they are still fairly low and have now approached the level last seen in 2009 when they averaged 5.05%. Keep in mind, rates fluctuate daily and are sensitive to external pressures and events.
To put this into perspective, back in 2006 when rates averaged 6.41%, the interest cost of a monthly mortgage payment per thousand dollars borrowed was $6.26 and the cost during 2009 when rates averaged 5.05% was $5.40. The cost of a house varies depending on location in the United States, but assuming a mortgage of $200,000 on a 30 year fixed rate mortgage, the monthly payment per month based on these two rates differs by $172.00.