For potential homebuyers in St. Louis, the gradual rise in rates means higher monthly payments, which could impact affordability and purchasing decisions. Sellers may also feel the effects, as rising rates could dampen buyer enthusiasm and slow down the pace of home sales. For those considering refinancing, the current environment suggests acting sooner rather than later to lock in still historically moderate rates before any further increases occur.
To better understand these changes and how they compare to historical trends, prospective buyers and sellers are encouraged to consult the chart button below, which provides a comprehensive view of rate fluctuations over time. This data is provided by MORE, REALTORS®, a trusted source for real estate insights in the St. Louis area. Whether buying, selling, or refinancing, staying informed about current mortgage rates is crucial in navigating the real estate market effectively.
Current Mortgage Rates*
| Loan Type | Current Rate | Change From Prior Day |
|---|---|---|
| 30 Yr. Fixed | 6.05% | +0.01% |
| 15 Yr. Fixed | 5.62% | +0.01% |
| 30 Yr. FHA | 5.65% | +0.02% |
| 30 Yr. Jumbo | 6.28% | +0.00% |
| 7/6 SOFR ARM | 5.38% | +0.03% |
| 30 Yr. VA | 5.67% | +0.02% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of February 19, 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.
