For those considering different mortgage options, the 30-year FHA rate is now at 5.80%, while the adjustable-rate mortgage (7/6 SOFR ARM) has decreased to 5.70%. However, the 30-year jumbo rate has increased to 6.35%, offering a different dynamic for those in the luxury home market. These rate changes indicate a falling trend in general, benefiting potential homeowners in St. Louis by slightly easing the financial burden of mortgage interest.
The current rate environment, provided by MORE, REALTORS®, suggests a favorable moment for St. Louis buyers to lock in rates before potential fluctuations. Sellers might see increased interest from buyers looking to capitalize on these lower rates. For a broader perspective on how these rates compare to historical data, please refer to the chart button below. As the market adjusts, keeping an eye on these small yet impactful changes 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 | 6.19% | -0.01% |
| 15 Yr. Fixed | 5.73% | -0.01% |
| 30 Yr. FHA | 5.80% | -0.05% |
| 30 Yr. Jumbo | 6.35% | +0.00% |
| 7/6 SOFR ARM | 5.70% | -0.04% |
| 30 Yr. VA | 5.82% | -0.04% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of January 8, 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.
