Mortgage rates in Saint Louis, MO
Current 30-year, 15-year, FHA, and VA averages, plus a worked monthly payment on a Saint Louis median-price home ($175,000). National averages update on the rates research page.
30-year fixed
6.85%
15-year fixed
6.05%
FHA 30-year
6.55%
VA 30-year
6.40%
Reference rates updated April 2026. Your quote depends on credit profile, loan-to-value, loan size, and lender. Tax and insurance figures are state-average estimates. Not a loan offer.
Monthly payment on a Saint Louis median-price home
30-year, 20% down
$1,180 /mo
- Sale price
- $175,000
- Loan amount
- $140,000
- Rate
- 6.85%
15-year, 20% down
$1,448 /mo
- Sale price
- $175,000
- Loan amount
- $140,000
- Rate
- 6.05%
FHA, 3.5% down
$1,413 /mo
- Sale price
- $175,000
- Loan amount
- $168,875
- Rate
- 6.55%
Includes ~0.55% annual MIP escrowed monthly.
Includes principal, interest, St. Louis City property tax (effective 1.15%), and Missouri homeowners insurance estimate (0.65% of home value). HOA, PMI, and CDD/MUD assessments not included.
What drives the Saint Louis number
- St. Louis City property tax: ~1.15% effective rate. On the median price ($175,000) that escrows to about $168 per month.
- Missouri insurance: ~0.65% of home value annually. About $95 per month.
- Loan-type spread: FHA quotes run ~0.30% below conventional, but you pay an upfront MIP plus 0.55% annual MIP for the life of the loan when you put less than 10% down.
Run the numbers for your scenario
Plug in your real price, down payment, and credit profile. We'll itemize the monthly payment and the cash to close.