These rate reductions, though modest, signal a positive shift for potential buyers in the St. Louis area, offering improved affordability in a market that had seen rates hovering at higher levels for much of the year. For sellers, the decreasing rates may spur increased buyer interest, potentially accelerating sales and stabilizing home prices. As always, prospective buyers and sellers are encouraged to review historical rate trends by clicking the chart button below to understand the broader context of these changes.
This latest update, provided by MORE, REALTORS®, highlights a favorable turn for the local real estate market, making it an opportune time for those considering entering the market. With volatility still prevalent, staying informed about current mortgage rates and trends remains crucial for making savvy real estate decisions in St. Louis.
Current Mortgage Rates*
| Loan Type | Current Rate | Change From Prior Day |
|---|---|---|
| 30 Yr. Fixed | 6.21% | -0.03% |
| 15 Yr. Fixed | 5.74% | -0.01% |
| 30 Yr. FHA | 5.86% | -0.02% |
| 30 Yr. Jumbo | 6.40% | -0.02% |
| 7/6 SOFR ARM | 5.79% | -0.02% |
| 30 Yr. VA | 5.88% | -0.01% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of December 25, 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.
