Missouri Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Missouri. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.07%
Avg APR
15yr Fixed
6.47%
Avg APR
Median Price
$235,000
Median home
Monthly P&I
$1,253
30yr at 80% LTV
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Top Mortgage Lenders in Missouri
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Missouri
- ✓MHDC First Place Loan
- ✓MHDC Next Step Program
- ✓Kansas City and St. Louis city programs
Mortgage Requirements in Missouri
- •Min 640 credit score for MHDC programs
- •Income and purchase price limits
- •Homebuyer education for cash assistance
Missouri Housing Market Facts
Kansas City and St. Louis both offer strong first-time buyer markets.
Missouri has no transfer tax, reducing closing costs.
MHDC provides cash assistance up to 4% of loan amount.
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