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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 7.250%.
  • The 30-Year Conventional Refinance rate is 7.375%.
  • Rates are current as of October 9, 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

Jimmy was always quick to respond and made sure I knew what was happening every step of the way!

Sabrina M.

Verified Customer

August 29, 2026

5.0

Tina was very helpful with all of our questions. She always replied very quickly. She was wonderful to work with. We will definitely reach out to her and Lower Mortgage if we need a new mortgage in the future. Rick and Loretta were great to… work with too! The whole team was very responsive to all of our questions. Thanks for such an easy experience with my first mortgage!

Nathan R.

Verified Customer

September 22, 2026

5.0

Bobby was always available for any questions I had and was more than willing to run different scenarios to come up with the best solution for me. He introduced me to new options to help make my mortgage lower and made sure I fully understood al…l options. Bobby, walked me through the process step by step and was there when it was time to sign the papers. A++

Turron D.

Verified Customer

August 24, 2026

5.0

Communication. Staying informed provides peace of mind and we were kept in the loop every step of the way.

Phillip G.

Verified Customer

August 16, 2026

5.0

Ruth peovided detailed explainations and helped make the process easy to understand every step of the way . Even when we had a lot of questions, she was very patient and showed she really cared about making sure we … were 100% comfortable and knowledgeable of all the different parts of our loan

Forrest J.

Verified Customer

September 4, 2026

5.0

John is so thorough and such a wonderful and caring person to work with! He always responded to my calls quickly and answered all my questions. He worked very hard to get us the perfect loan along with helping in many other ways. I am so grate…ful for his help and experience! He made the whole process much easier for us. Thank you!!

Melanie I.

Verified Customer

September 21, 2026

5.0

Exelent services. 100 % recommended.

Ana L.

Verified Customer

July 27, 2026

5.0

Scott, was very helpful to me during through the process of my loan. When I asked him a question he answered me right away . he clearly explained interest rates, closing costs, and origination fees without hidden charges. I… would recommend him .

Dina S.

Verified Customer

September 6, 2026

5.0

I had a great experience working with Eric and his team throughout the entire home-buying process. He was extremely helpful, responsive, and patient with all of my questions. He took the time to explain the numbers and make sure I understo…od what I was getting into, which made the process much less stressful. Eric was always quick to respond and kept me updated along the way. Whenever something came up, he was there to help find an answer and keep everything moving forward. I really appreciated his professionalism and willingness to go the extra mile to make sure everything came together. I would absolutely recommend Eric to anyone looking for a lender. He made the financing side of buying a home a smooth and straightforward experience, and I’m very grateful for all of his help!

Jacob B.

Verified Customer

October 1, 2026

5.0

Very communitave, prompt and professional. Great experience working with Lisa

Gregg G.

Verified Customer

October 3, 2026

5.0

Timely, communicative, prodessional, completely stress-free experience for my buyers and I. Thank you for consistently delivering a remarkably wonderful experience.

Nikki D.

Verified Customer

August 25, 2026

5.0

Everything Mrs.Taylor did for us

Kevin S.

Verified Customer

September 26, 2026

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