St. Louis, MO Mortgage Rates
Live Mortgage Rates in St. Louis, Missouri
6.490%
St. Louis 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 St. Louis and Missouri
St. Louis Benchmark Rates
Lowest available rate with no discount points paid in St. Louis, MO for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · St. Louis, MO | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · St. Louis, MO | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · St. Louis, 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 St. Louis Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a St. Louis, 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 St. Louis property.
Your specific St. Louis 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.
St. Louis 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 St. Louis mortgage rate
The rates above are the market benchmark for St. Louis. Your actual rate depends on your scenario.