Mortgage Rates in Edwardsville, Kansas — March 2026
Updated March 2026 | Based on Edwardsville market data and regional lending conditions
Edwardsville is a smaller Kansas community of 22,804 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.75% (0.1% above the national average). At a median home price of $170,000, the estimated $1,063/month payment (with 20% down) is affordable on the local median income of $69,500.
Current Mortgage Rates in Edwardsville, KS
Below are the current average mortgage rates available in the Edwardsville area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7% | 6.85% | +0.15% |
Edwardsville Housing Market Overview
At $170,000, Edwardsville offers more affordable housing than most U.S. metros. The local cost of living index is 89.6 (100 = national average), and the median household income of $69,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Edwardsville
Based on the median home price of $170,000 with 20% down ($34,000), here is what you can expect to pay monthly in Edwardsville:
15-Year vs. 30-Year Mortgage in Edwardsville
Choosing a 15-year mortgage in Edwardsville at 5.99% instead of a 30-year at 6.75% would save you $111,060 in total interest over the life of the loan. However, your monthly payment would be $1,147 instead of $882 — an increase of $265 per month.
Calculate Your Edwardsville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Edwardsville
What are the current mortgage rates in Edwardsville, KS?
As of March 2026, the average 30-year fixed mortgage rate in Edwardsville, Kansas is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Edwardsville?
Based on the median home price of $170,000 with 20% down, the estimated monthly mortgage payment in Edwardsville is $882 for principal and interest. Including property taxes of $181/month, the total monthly housing cost is approximately $1,063.
What income do I need to buy a home in Edwardsville?
Using the 28% rule, you would need an annual income of approximately $45,557 to afford the median-priced home in Edwardsville at $170,000. The median household income in Edwardsville is $69,500. The median income is currently sufficient to meet this threshold.
Is Edwardsville a good place to buy a home in 2026?
Edwardsville offers a below-average cost of living with a cost of living index of 89.6 (national average = 100). The property tax rate in Kansas is 1.28%, which is near the national average. Edwardsville has a population of 22,804 and offers a very affordable lifestyle.
Mortgage Rates in Other Kansas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Edwardsville, Kansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.