After a five-week decline, mortgage rates have now climbed for two straight weeks. We break down how much the increase could cost you on your monthly payment.

Check our interactive map to find today's average 30-year mortgage refinance rate for any U.S. state. Right now, the lowest rates are in New York, California, and Washington.

For the vast majority of homeowners, there's currently little financial incentive to refinance their mortgages. So far in ...