Kansas City, MO Mortgage Rates
Live Mortgage Rates in Kansas City, Missouri
6.490%
Kansas City Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 1:43 PM UTC
Sourced live from hundreds of wholesale lenders serving Kansas City and Missouri
Kansas City Benchmark Rates
Lowest available rate with no discount points paid in Kansas City, MO for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Kansas City, MO | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Kansas City, MO | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Kansas City, MO | 5.990% | 6.020% |
2026 Loan Limits in Missouri
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Missouri counties.
About Kansas City Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Kansas City, Missouri homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Missouri and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Kansas City property.
Your specific Kansas City rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Missouri lender network, use the Rate Direct pricer.
Kansas City buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Missouri, see the Missouri DPA guide.
Get your personalized Kansas City mortgage rate
The rates above are the market benchmark for Kansas City. Your actual rate depends on your scenario.