Mortgage Rates in Creve Coeur, Missouri — March 2026
Updated March 2026 | Based on Creve Coeur market data and regional lending conditions
Creve Coeur is a growing city in Missouri with a population of 18,627. The current 30-year fixed mortgage rate in Creve Coeur is 6.86%, which is 0.21% above the national average. With a median home price of $161,000 and a 20% down payment of $32,200, homebuyers can expect a monthly principal and interest payment of approximately $845.
Current Mortgage Rates in Creve Coeur, MO
Below are the current average mortgage rates available in the Creve Coeur area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Creve Coeur Housing Market Overview
The Creve Coeur housing market offers relatively affordable housing compared to many major cities. The median household income in Creve Coeur is $49,100, and the cost of living index is 87 (national average = 100). Based on the 28% affordability rule, the median income in Creve Coeur is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Creve Coeur
Based on the median home price of $161,000 with 20% down ($32,200), here is what you can expect to pay monthly in Creve Coeur:
15-Year vs. 30-Year Mortgage in Creve Coeur
Choosing a 15-year mortgage in Creve Coeur at 6.08% instead of a 30-year at 6.86% would save you $107,640 in total interest over the life of the loan. However, your monthly payment would be $1,092 instead of $845 — an increase of $247 per month.
Calculate Your Creve Coeur Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Creve Coeur
What are the current mortgage rates in Creve Coeur, MO?
As of March 2026, the average 30-year fixed mortgage rate in Creve Coeur, Missouri is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Creve Coeur?
Based on the median home price of $161,000 with 20% down, the estimated monthly mortgage payment in Creve Coeur is $845 for principal and interest. Including property taxes of $125/month, the total monthly housing cost is approximately $970.
What income do I need to buy a home in Creve Coeur?
Using the 28% rule, you would need an annual income of approximately $41,571 to afford the median-priced home in Creve Coeur at $161,000. The median household income in Creve Coeur is $49,100. The median income is currently sufficient to meet this threshold.
Is Creve Coeur a good place to buy a home in 2026?
Creve Coeur offers a below-average cost of living with a cost of living index of 87 (national average = 100). The property tax rate in Missouri is 0.93%, which is near the national average. Creve Coeur has a population of 18,627 and offers a very affordable lifestyle.
Mortgage Rates in Other Missouri Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Creve Coeur, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.