Mortgage Rates in Fulton, Missouri — March 2026
Updated March 2026 | Based on Fulton market data and regional lending conditions
Fulton is a growing city in Missouri with a population of 12,730. The current 30-year fixed mortgage rate in Fulton is 6.65%, which is at the national average. With a median home price of $199,000 and a 20% down payment of $39,800, homebuyers can expect a monthly principal and interest payment of approximately $1,022.
Current Mortgage Rates in Fulton, MO
Below are the current average mortgage rates available in the Fulton 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Fulton Housing Market Overview
The Fulton housing market offers relatively affordable housing compared to many major cities. The median household income in Fulton is $50,000, and the cost of living index is 82.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $51,043 to comfortably afford the median-priced home in Fulton, which exceeds the current median household income.
Monthly Payment Breakdown for Fulton
Based on the median home price of $199,000 with 20% down ($39,800), here is what you can expect to pay monthly in Fulton:
15-Year vs. 30-Year Mortgage in Fulton
Choosing a 15-year mortgage in Fulton at 5.91% instead of a 30-year at 6.65% would save you $127,440 in total interest over the life of the loan. However, your monthly payment would be $1,336 instead of $1,022 — an increase of $314 per month.
Calculate Your Fulton Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Fulton
What are the current mortgage rates in Fulton, MO?
As of March 2026, the average 30-year fixed mortgage rate in Fulton, Missouri is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Fulton?
Based on the median home price of $199,000 with 20% down, the estimated monthly mortgage payment in Fulton is $1,022 for principal and interest. Including property taxes of $169/month, the total monthly housing cost is approximately $1,191.
What income do I need to buy a home in Fulton?
Using the 28% rule, you would need an annual income of approximately $51,043 to afford the median-priced home in Fulton at $199,000. The median household income in Fulton is $50,000. This means most households would need to either earn above the median or consider homes below $199,000.
Is Fulton a good place to buy a home in 2026?
Fulton offers a below-average cost of living with a cost of living index of 82.2 (national average = 100). The property tax rate in Missouri is 1.02%, which is near the national average. Fulton has a population of 12,730 and offers a very affordable lifestyle.
Mortgage Rates in Other Missouri Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Fulton, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.