For St. Louis buyers, these rate increases mean potentially higher monthly payments, influencing the affordability of homes in the area. Sellers may also feel the impact, as rising rates could temper buyer enthusiasm and affect the pace of the market. Prospective buyers might consider locking in rates soon to avoid further escalations, while sellers may need to adjust pricing strategies to remain competitive.
MORE, REALTORS® provides these insights, encouraging those interested in the local real estate market to review historical rate trends by clicking the chart button below. As these rates continue to rise, staying informed on the latest updates is crucial for making strategic buying or selling decisions in the St. Louis area.
Current Mortgage Rates*
| Loan Type | Current Rate | Change From Prior Day |
|---|---|---|
| 30 Yr. Fixed | 6.14% | +0.03% |
| 15 Yr. Fixed | 5.71% | +0.01% |
| 30 Yr. FHA | 5.70% | +0.01% |
| 30 Yr. Jumbo | 6.30% | +0.00% |
| 7/6 SOFR ARM | 5.50% | +0.05% |
| 30 Yr. VA | 5.72% | +0.02% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of February 12, 2026. 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.
