For potential homebuyers and sellers in St. Louis, this mixed rate environment suggests both challenges and opportunities. While the stable 30-year fixed rate offers predictability for long-term planning, those looking to refinance or secure a new mortgage with shorter terms might face slightly higher costs. Buyers interested in adjustable-rate mortgages might benefit from the decreased rate of the 7/6 SOFR ARM, now at 5.90%. These rate variations could influence purchasing decisions and refinancing strategies as the year ends.
For a comprehensive view of historical rate trends and further insights, interested parties can consult the chart button below. This rate information is presented by ‘MORE, REALTORS®‘, ensuring that St. Louis residents have access to the latest and most accurate real estate data. As the market faces these mixed movements, staying informed will be crucial for making sound financial decisions in this dynamic environment.
Current Mortgage Rates*
| Loan Type | Current Rate | Change From Prior Day |
|---|---|---|
| 30 Yr. Fixed | 6.27% | +0.00% |
| 15 Yr. Fixed | 5.76% | +0.01% |
| 30 Yr. FHA | 5.87% | -0.01% |
| 30 Yr. Jumbo | 6.42% | +0.01% |
| 7/6 SOFR ARM | 5.90% | -0.09% |
| 30 Yr. VA | 5.89% | -0.01% |
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of December 18, 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.
