The slight dip in rates is expected to invigorate the St. Louis housing market as buyers find new opportunities to secure more affordable financing. Sellers may also see increased activity as lower rates can widen the pool of eligible buyers. The reduction in rates extends to other lending options as well, with the 30-year FHA rate now at 5.85% and the adjustable-rate (7/6 SOFR ARM) at 5.77%. Prospective buyers in the St. Louis area are encouraged to take advantage of these more favorable conditions while they last.
For those interested in tracking how these rates compare historically, you can click the chart button below for a detailed look at past trends. This data is provided by MORE, REALTORS®, a trusted source for real estate insights in the St. Louis area. As we move through December, the local market remains optimistic that the easing of rates will stimulate both buying and selling activities in the region.
Current Mortgage Rates*
| Loan Type | Current Rate | Change From Prior Day |
|---|---|---|
| 30 Yr. Fixed | 6.23% | -0.07% |
| 15 Yr. Fixed | 5.75% | -0.04% |
| 30 Yr. FHA | 5.85% | -0.06% |
| 30 Yr. Jumbo | 6.38% | -0.02% |
| 7/6 SOFR ARM | 5.77% | -0.09% |
| 30 Yr. VA | 5.86% | -0.07% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of December 4, 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.