Mortgage Rates in Kirksville, Missouri — March 2026
Updated March 2026 | Based on Kirksville market data and regional lending conditions
Kirksville is a growing city in Missouri with a population of 17,862. The current 30-year fixed mortgage rate in Kirksville is 6.85%, which is 0.2% above the national average. With a median home price of $198,000 and a 20% down payment of $39,600, homebuyers can expect a monthly principal and interest payment of approximately $1,038.
Current Mortgage Rates in Kirksville, MO
Below are the current average mortgage rates available in the Kirksville 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 | 6.85% | 6.65% | +0.2% |
| 15-Year Fixed | 6.07% | 5.89% | +0.18% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.1% | 6.85% | +0.25% |
Kirksville Housing Market Overview
The Kirksville housing market offers relatively affordable housing compared to many major cities. The median household income in Kirksville is $58,600, and the cost of living index is 80.3 (national average = 100). Based on the 28% affordability rule, the median income in Kirksville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Kirksville
Based on the median home price of $198,000 with 20% down ($39,600), here is what you can expect to pay monthly in Kirksville:
15-Year vs. 30-Year Mortgage in Kirksville
Choosing a 15-year mortgage in Kirksville at 6.07% instead of a 30-year at 6.85% would save you $131,940 in total interest over the life of the loan. However, your monthly payment would be $1,343 instead of $1,038 — an increase of $305 per month.
Calculate Your Kirksville 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 Kirksville
What are the current mortgage rates in Kirksville, MO?
As of March 2026, the average 30-year fixed mortgage rate in Kirksville, Missouri is 6.85%, while the 15-year fixed rate is 6.07%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.2% above the national average of 6.65%.
How much is a monthly mortgage payment in Kirksville?
Based on the median home price of $198,000 with 20% down, the estimated monthly mortgage payment in Kirksville is $1,038 for principal and interest. Including property taxes of $170/month, the total monthly housing cost is approximately $1,208.
What income do I need to buy a home in Kirksville?
Using the 28% rule, you would need an annual income of approximately $51,771 to afford the median-priced home in Kirksville at $198,000. The median household income in Kirksville is $58,600. The median income is currently sufficient to meet this threshold.
Is Kirksville a good place to buy a home in 2026?
Kirksville offers a below-average cost of living with a cost of living index of 80.3 (national average = 100). The property tax rate in Missouri is 1.03%, which is near the national average. Kirksville has a population of 17,862 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 Kirksville, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.