They are just a tad under 7 in my neck of the woods. I remember the joy we had when we refinanced at 7% back in the day. We had to get a 15 year mortgage to do it and it stretched resources, but we were thrilled we could go from 12 to 7. Oh and we had great credit scores.
I remember feeding a family of 5 with the same money I feed a family of 2 now.