Mortgage Rates in Poplar Bluff, Missouri — March 2026
Updated March 2026 | Based on Poplar Bluff market data and regional lending conditions
Poplar Bluff is a growing city in Missouri with a population of 17,023. The current 30-year fixed mortgage rate in Poplar Bluff is 6.76%, which is 0.11% above the national average. With a median home price of $201,000 and a 20% down payment of $40,200, homebuyers can expect a monthly principal and interest payment of approximately $1,044.
Current Mortgage Rates in Poplar Bluff, MO
Below are the current average mortgage rates available in the Poplar Bluff 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 | 6.76% | 6.65% | +0.11% |
| 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 | 7.01% | 6.85% | +0.16% |
Poplar Bluff Housing Market Overview
The Poplar Bluff housing market offers relatively affordable housing compared to many major cities. The median household income in Poplar Bluff is $52,800, and the cost of living index is 86.3 (national average = 100). Based on the 28% affordability rule, the median income in Poplar Bluff is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Poplar Bluff
Based on the median home price of $201,000 with 20% down ($40,200), here is what you can expect to pay monthly in Poplar Bluff:
15-Year vs. 30-Year Mortgage in Poplar Bluff
Choosing a 15-year mortgage in Poplar Bluff at 5.99% instead of a 30-year at 6.76% would save you $131,760 in total interest over the life of the loan. However, your monthly payment would be $1,356 instead of $1,044 — an increase of $312 per month.
Calculate Your Poplar Bluff 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 Poplar Bluff
What are the current mortgage rates in Poplar Bluff, MO?
As of March 2026, the average 30-year fixed mortgage rate in Poplar Bluff, Missouri is 6.76%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Poplar Bluff?
Based on the median home price of $201,000 with 20% down, the estimated monthly mortgage payment in Poplar Bluff is $1,044 for principal and interest. Including property taxes of $162/month, the total monthly housing cost is approximately $1,206.
What income do I need to buy a home in Poplar Bluff?
Using the 28% rule, you would need an annual income of approximately $51,686 to afford the median-priced home in Poplar Bluff at $201,000. The median household income in Poplar Bluff is $52,800. The median income is currently sufficient to meet this threshold.
Is Poplar Bluff a good place to buy a home in 2026?
Poplar Bluff offers a below-average cost of living with a cost of living index of 86.3 (national average = 100). The property tax rate in Missouri is 0.97%, which is near the national average. Poplar Bluff has a population of 17,023 and offers a very affordable lifestyle.
Mortgage Rates in Other Missouri Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Poplar Bluff, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.