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Today's Mortgage Rates in Missouri

Get a Lower rate in Missouri whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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MO Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.250%.
  • The 30-Year Conventional Refinance rate is 6.375%.
  • Rates are current as of August 12, 2026.

Current Missouri Mortgage Rates

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Mortgage Rates Trend in Missouri

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Missouri

Missouri mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in St. Louis can differ from one for a property in rural Missouri when the borrower, property or loan details change.

When comparing lenders for a home purchase, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Comparing both can help you identify differences between offers with similar interest rates but different qualifying costs.

If you're considering refinancing your current home loan, review Missouri refinance rates.

Types of Mortgages Available in Missouri

Missourians buying a home can choose among several mortgage structures, while the amount borrowed determines whether conventional financing stays within Missouri's statewide conforming limit.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term. Your credit profile, down payment, property and other application details affect the terms available to you.

  • FHA loans in Missouri follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.

  • Eligible borrowers can compare Missouri VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Missouri.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms. Review the adjustment schedule and how later changes could affect your payment.

  • A jumbo loan finances an amount above the applicable conforming limit. Missouri uses one statewide one-unit threshold for 2026, which is covered in the next section.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Missouri.

Mortgage insurance treatment depends on the loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Missouri

All 114 counties in Missouri, as well as the independent city of St. Louis, use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in Missouri. The threshold applies to the amount borrowed rather than the home's purchase price, so a higher-priced home can still use conforming financing when the mortgage itself stays within the limit.

Buyers borrowing above $832,750 can compare Missouri jumbo loan rates. Because the same one-unit limit applies across all 114 counties, there is no county-level conforming table to check.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate limit system. FHA loan limits in Missouri are set separately from conforming limits and are published county by county. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements, and Missouri VA loan rates are published separately.


Missouri Mortgage Payment Examples By Rate

Missouri's payment examples extend to an $800,000 mortgage, which remains below the statewide $832,750 one-unit conforming limit that applies across all 114 counties for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the Missouri mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Learn more about mortgage rates in Missouri

Are there homebuyer assistance programs in Missouri?

The Missouri Housing Development Commission provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Missouri for 2026?

What is the conforming loan limit in Missouri for 2026?Every county in Missouri uses a 2026 one-unit conforming loan limit of $832,750. A one-unit mortgage above $832,750 falls into the jumbo category statewide.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in Missouri
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Find Out Why Missourians Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Call Yes for the best! Adam and his team made the home buying process painless, and seamless with all of the other companies involved in buying a home. This is especially impressive as my partner and I are first time home buyers and completely new to the home buying process. If we ever had questions, he was there with easy to understand answers and translations for all of the terminology and legalese. I greatly appreciate all of his help throughout this entire process, and know that for our next place, he'll be the first we'll call!

Rachael S.

Verified Customer

May 29, 2026

5.0

For me it was like a roller coaster ride, but Taylor was there the entire time letting me know that things were ok. For every problem that arose, I was able to see her expertise. I would refer anyone I know to her because I know she will take care of them.

Annisa B.

Verified Customer

June 10, 2026

5.0

Thank you Connor for supporting our dream move to St. Petersburg, Florida. My family and I are so appreciative of your quick responses and level of professional to get our mortgage loan approved on time. Thank you again!

Ryan W.

Verified Customer

June 22, 2026

5.0

Tom was there to answer any questions I had, kept me up-to-date on what my rates would be, and worked endlessly with me to ensure I secured a loan at the best possible rate for my new home!

Rachel A.

Verified Customer

June 16, 2026

5.0

Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce.

Joe C.

Verified Customer

August 5, 2026

5.0

Phil is always very professional and willing to do anything to help the process go as smoth as possible. I will never use anyone other than Phil Cunningham. He is the absolute best at everything!!!

Crystal R.

Verified Customer

June 22, 2026

5.0

Bob Chamorro made the process for the loan easy. He was always on top of everything and would be readily available anytime I needed him. Very professional!

Michael S.

Verified Customer

August 20, 2026

5.0

Her was always verey freidnly and helpful. I could discuss my questions and concerns at all hours of the day or night and she was very responsive. Great loan officer.

Mitchell B.

Verified Customer

June 25, 2026

5.0

Michael was just great throughout the whole process. I had been looking for a home for over 1-1/2 years and whenever I had questions regarding the properties and payment amounts he responded right away. Great experience

Stacy S.

Verified Customer

July 7, 2026

5.0

The level of communication provided for a complicated transaction was ready great. Plus her office reached out whenever there was an issue before things got into dangerous territory. Sandy was able to fix a bad issue I didn't realize had been a wrong choice before starting the loan process and still complete the loan.

Jeffrey M.

Verified Customer

July 24, 2026

5.0

Just the level of communication and making sure we were comfortable everything throughout the possible.

Dwayne J.

Verified Customer

August 17, 2026

5.0

The Esersky Group has been phenomenal. Miguel possesses vast knowledge on the real estate industry and loan processes. He made our first-time home buying experience smooth and transparent. We cannot thank Miguel and his team enough for their dedication during the purchase of our home. When we reviewed our loan options, Miguel stepped in with poise, tact, and excellent problem-solving skills to find the best possible loan options based on our unique situation. His deep knowledge of the local Santa Clarita market and constant communication kept us feeling confident and in control at every stage. A true professional who goes above and beyond! Thank you Miguel!!

Cesar A.

Verified Customer

May 28, 2026

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