These falling rates are a positive development for the St. Louis market, potentially easing monthly payments for buyers and improving affordability. Sellers may also benefit as more buyers are likely to enter the market in response to these lower financing costs. With the 30-year Jumbo rate at 6.40% and the 30-year FHA rate at 6.00%, a variety of options are available for different buyer needs. The adjustable rate, specifically the 7/6 SOFR ARM, has also seen a decrease, now at 6.01%.
For those interested in the historical trends of mortgage rates in St. Louis, the chart button below provides a comprehensive view. This data is courtesy of MORE, REALTORS®, a trusted source for real estate insights. As rates continue to adjust, staying informed will be crucial for both buyers and sellers navigating the St. Louis real estate landscape.
Current Mortgage Rates*
| Loan Type | Current Rate | Change From Prior Day |
|---|---|---|
| 30 Yr. Fixed | 6.29% | -0.05% |
| 15 Yr. Fixed | 5.80% | -0.04% |
| 30 Yr. FHA | 6.00% | -0.06% |
| 30 Yr. Jumbo | 6.40% | -0.01% |
| 7/6 SOFR ARM | 6.01% | -0.03% |
| 30 Yr. VA | 6.02% | -0.06% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of November 13, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
