Skip to content
Apply Now
Ready to get started?

Reach out and give us a call. We’re here to help.

Need support?

Have questions about your current product? Give us a call and we’ll sort it out.

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.

Get a Personalized Quote
>
A woman and a man smiling while looking at a laptop.

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 8, 2026.

Current Missouri Mortgage Rates

Buy A Home
Lower My Rate

Get your personalized rate

We're all about lower rates — and lower stress. Our online process is seamless and stress-free, and our expert loan officers analyze your details to give you a personalized estimate so that you can make an informed decision.

See Personalized Rates
>
No-impact credit check. No commitment.

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.
Trustpilot | Google | Zillow | Bankrate
5.0

Amazing from beginning to end! Terri literally made home ownership a reality for me!

Elizabeth R.

Verified Customer

September 17, 2026

5.0

Reily and his team comminicsted communicated timely and were very supportive in a transaction that had a fast closing timeline.

Bennett S.

Verified Customer

September 23, 2026

5.0

buying for the first time, we had a ton of questions, Kristen was available constantly, answering our questions fully and ensuring we were getting the best deal possible. She was professional, friendly, encouraging. It …was an absolute pleasure working with her!

Connor M.

Verified Customer

August 13, 2026

5.0

TJ was Awesome!!! We had an issue come up and she went above and beyond to get it resolved! She explained everything going on and answered all our questions. Thank you, TJ! We appreciate you!!!

Kat

Verified Customer

October 5, 2026

5.0

Josh and Zach made everything so easy and fast. They helped us every step of the way and explained everything while always keeping us informed of what we needed and what to expect. I would highly recommend Lower Mortgage. My wife and I thank ve…ry much for making the loan process seem easy.

Keith C.

Verified Customer

October 5, 2026

5.0

We were not looking for a new home, but when our dream property became available, everything moved so fast, it could have been stressful and difficult. Dante and his team made the process smooth and reduced the potential stress for us. They wer…e truly exceptional throughout the process. Everyone was prompt, responsive, thorough, communicative and personable at every turn. Whenever we had questions, they worked with us to answer them quickly and made sure we were prepared and comfortable with each step. We are so grateful to have had these folks walking alongside us. Not only did we have a stellar financing experience, we emerged from it with new, treasured friends – what a blessing!

Brandi H.

Verified Customer

August 25, 2026

5.0

Great experience. Process was very smooth.

Angelica W.

Verified Customer

August 10, 2026

5.0

We had a wonderful experience working with Phil on our personal home purchase. Phil did an excellent job educating us throughout the process, clearly explaining our options and helping us feel confident in each decision. We also really apprecia…ted his creativity in structuring things in a way that worked well for us. His communication, knowledge, and care made the entire process smooth from start to finish.

London S.

Verified Customer

August 27, 2026

5.0

Very easy to work with and good person and good personality

Edward W.

Verified Customer

July 27, 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

Glenn made everything easy and was great to work with

Sarah C.

Verified Customer

August 8, 2026

5.0

The communication with the team was amazing, questions were quick and easy.

James C.

Verified Customer

October 6, 2026

Lower Rates. Lower Stress. Free Refi for Life.

We combine a seamless, fully online experience with human expertise to help you get the best possible rate. Applying online comes with no commitment and a no-impact credit check.

50,000+ 5-star reviews
Lower rates
Easy online application
Fast closing
Seamless online process

And once you buy a home with Lower, you can refinance for free. For life.

Ready to get your personalized rate?

Apply today >

Clear
Selection