Mortgage Rates in Missouri — March 2026
Compare current mortgage rates across 60 cities in Missouri. The average 30-year fixed rate is 6.74%, which is 0.09% above the national average of 6.65%.
Missouri Housing Highlights
All 60 Cities in Missouri
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Kansas City | 6.73% | $215,000 | $1,113 | 508,090 |
| St. Louis | 6.73% | $165,000 | $854 | 293,310 |
| Springfield | 6.73% | $195,000 | $1,010 | 169,176 |
| Columbia | 6.73% | $235,000 | $1,217 | 126,254 |
| Independence | 6.73% | $175,000 | $906 | 123,011 |
| Lee's Summit | 6.73% | $295,000 | $1,528 | 101,108 |
| OFallon | 6.87% | $194,000 | $1,019 | 91,316 |
| St. Joseph | 6.88% | $190,000 | $999 | 72,473 |
| St. Charles | 6.76% | $181,000 | $940 | 70,719 |
| St. Peters | 6.9% | $198,000 | $1,043 | 57,728 |
| Blue Springs | 6.79% | $228,000 | $1,188 | 56,543 |
| Florissant | 6.79% | $193,000 | $1,006 | 52,158 |
| Joplin | 6.89% | $192,000 | $1,011 | 51,762 |
| Chesterfield | 6.82% | $174,000 | $909 | 47,484 |
| Jefferson City | 6.82% | $201,000 | $1,050 | 42,838 |
| Wentzville | 6.66% | $199,000 | $1,023 | 42,838 |
| Cape Girardeau | 6.76% | $155,000 | $805 | 39,540 |
| Wildwood | 6.65% | $189,000 | $971 | 35,517 |
| University City | 6.77% | $185,000 | $962 | 34,504 |
| Liberty | 6.71% | $175,000 | $904 | 31,679 |
| Ballwin | 6.79% | $210,000 | $1,094 | 30,878 |
| Raytown | 6.67% | $169,000 | $870 | 29,015 |
| Kirkwood | 6.68% | $204,000 | $1,051 | 27,887 |
| Maryland Heights | 6.86% | $179,000 | $939 | 27,472 |
| Gladstone | 6.9% | $188,000 | $991 | 27,246 |
| Hazelwood | 6.74% | $184,000 | $954 | 25,703 |
| Grandview | 6.67% | $191,000 | $983 | 25,529 |
| Nixa | 6.71% | $167,000 | $863 | 23,935 |
| Belton | 6.77% | $166,000 | $863 | 23,480 |
| Webster Groves | 6.78% | $181,000 | $942 | 23,462 |
| Sedalia | 6.43% | $115,000 | $577 | 21,848 |
| Ozark | 6.73% | $175,000 | $906 | 21,805 |
| Raymore | 6.89% | $181,000 | $953 | 21,676 |
| Arnold | 6.73% | $197,000 | $1,020 | 21,203 |
| Warrensburg | 6.41% | $165,000 | $827 | 20,913 |
| Rolla | 6.73% | $169,000 | $875 | 20,186 |
| Farmington | 6.68% | $195,000 | $1,005 | 18,913 |
| Creve Coeur | 6.86% | $161,000 | $845 | 18,627 |
| Republic | 6.83% | $191,000 | $999 | 18,515 |
| Manchester | 6.84% | $168,000 | $880 | 18,094 |
| Kirksville | 6.85% | $198,000 | $1,038 | 17,862 |
| Hannibal | 6.62% | $196,000 | $1,003 | 17,526 |
| Poplar Bluff | 6.76% | $201,000 | $1,044 | 17,023 |
| Clayton | 6.86% | $163,000 | $855 | 16,780 |
| Sikeston | 6.72% | $187,000 | $967 | 16,318 |
| Jackson | 6.89% | $187,000 | $984 | 15,252 |
| Grain Valley | 6.87% | $194,000 | $1,019 | 14,772 |
| Carthage | 6.82% | $163,000 | $852 | 14,754 |
| Lebanon | 6.62% | $161,000 | $824 | 14,474 |
| Washington | 6.68% | $164,000 | $845 | 14,041 |
| Marshall | 6.61% | $191,000 | $977 | 12,972 |
| Fulton | 6.65% | $199,000 | $1,022 | 12,730 |
| West Plains | 6.6% | $160,000 | $817 | 12,290 |
| Neosho | 6.64% | $161,000 | $826 | 12,238 |
| Webb City | 6.68% | $158,000 | $814 | 12,126 |
| Excelsior Springs | 6.81% | $199,000 | $1,039 | 11,651 |
| Mexico | 6.84% | $194,000 | $1,016 | 11,543 |
| Kennett | 6.63% | $177,000 | $907 | 10,201 |
| Harrisonville | 6.77% | $169,000 | $879 | 10,084 |
| Monett | 6.62% | $186,000 | $952 | 9,232 |
Missouri Mortgage Rates Guide — 2026
Missouri homebuyers currently see an average 30-year fixed mortgage rate of 6.74%, with median home prices around $184,967. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $960.
The most affordable city for homebuyers in Missouri is Sedalia, where the median home price is $115,000. On the other end, Lee's Summit has the highest prices at $295,000. Property tax rates across the state average 0.98%.
To comfortably afford a home at the state average price, a household income of approximately $41,143 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Missouri Mortgages
What are current mortgage rates in Missouri?
As of March 2026, the average 30-year fixed mortgage rate in Missouri is 6.74% and the 15-year fixed rate averages 5.98%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Missouri?
The median home price across 60 cities in Missouri is $184,967. Prices range from $115,000 in Sedalia to $295,000 in Lee's Summit.
How much income do I need to buy a house in Missouri?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $41,143 to comfortably afford the average home in Missouri. The median household income in the state is approximately $53,002.
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