Mortgage Rates in Hazelwood, Missouri — March 2026
Updated March 2026 | Based on Hazelwood market data and regional lending conditions
Hazelwood is a growing city in Missouri with a population of 25,703. The current 30-year fixed mortgage rate in Hazelwood is 6.74%, which is 0.09% above the national average. With a median home price of $184,000 and a 20% down payment of $36,800, homebuyers can expect a monthly principal and interest payment of approximately $954.
Current Mortgage Rates in Hazelwood, MO
Below are the current average mortgage rates available in the Hazelwood 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Hazelwood Housing Market Overview
The Hazelwood housing market offers relatively affordable housing compared to many major cities. The median household income in Hazelwood is $47,800, and the cost of living index is 80.9 (national average = 100). Based on the 28% affordability rule, the median income in Hazelwood is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Hazelwood
Based on the median home price of $184,000 with 20% down ($36,800), here is what you can expect to pay monthly in Hazelwood:
15-Year vs. 30-Year Mortgage in Hazelwood
Choosing a 15-year mortgage in Hazelwood at 5.98% instead of a 30-year at 6.74% would save you $120,060 in total interest over the life of the loan. However, your monthly payment would be $1,241 instead of $954 — an increase of $287 per month.
Calculate Your Hazelwood 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 Hazelwood
What are the current mortgage rates in Hazelwood, MO?
As of March 2026, the average 30-year fixed mortgage rate in Hazelwood, Missouri is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Hazelwood?
Based on the median home price of $184,000 with 20% down, the estimated monthly mortgage payment in Hazelwood is $954 for principal and interest. Including property taxes of $158/month, the total monthly housing cost is approximately $1,112.
What income do I need to buy a home in Hazelwood?
Using the 28% rule, you would need an annual income of approximately $47,657 to afford the median-priced home in Hazelwood at $184,000. The median household income in Hazelwood is $47,800. The median income is currently sufficient to meet this threshold.
Is Hazelwood a good place to buy a home in 2026?
Hazelwood offers a below-average cost of living with a cost of living index of 80.9 (national average = 100). The property tax rate in Missouri is 1.03%, which is near the national average. Hazelwood has a population of 25,703 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 Hazelwood, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.