Mortgage Rates in Kirkwood, Missouri — March 2026
Updated March 2026 | Based on Kirkwood market data and regional lending conditions
Kirkwood is a growing city in Missouri with a population of 27,887. The current 30-year fixed mortgage rate in Kirkwood is 6.68%, which is 0.03% above the national average. With a median home price of $204,000 and a 20% down payment of $40,800, homebuyers can expect a monthly principal and interest payment of approximately $1,051.
Current Mortgage Rates in Kirkwood, MO
Below are the current average mortgage rates available in the Kirkwood 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Kirkwood Housing Market Overview
The Kirkwood housing market offers relatively affordable housing compared to many major cities. The median household income in Kirkwood is $59,700, and the cost of living index is 90 (national average = 100). Based on the 28% affordability rule, the median income in Kirkwood is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Kirkwood
Based on the median home price of $204,000 with 20% down ($40,800), here is what you can expect to pay monthly in Kirkwood:
15-Year vs. 30-Year Mortgage in Kirkwood
Choosing a 15-year mortgage in Kirkwood at 5.94% instead of a 30-year at 6.68% would save you $131,400 in total interest over the life of the loan. However, your monthly payment would be $1,372 instead of $1,051 — an increase of $321 per month.
Calculate Your Kirkwood 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 Kirkwood
What are the current mortgage rates in Kirkwood, MO?
As of March 2026, the average 30-year fixed mortgage rate in Kirkwood, Missouri is 6.68%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Kirkwood?
Based on the median home price of $204,000 with 20% down, the estimated monthly mortgage payment in Kirkwood is $1,051 for principal and interest. Including property taxes of $155/month, the total monthly housing cost is approximately $1,206.
What income do I need to buy a home in Kirkwood?
Using the 28% rule, you would need an annual income of approximately $51,686 to afford the median-priced home in Kirkwood at $204,000. The median household income in Kirkwood is $59,700. The median income is currently sufficient to meet this threshold.
Is Kirkwood a good place to buy a home in 2026?
Kirkwood offers a below-average cost of living with a cost of living index of 90 (national average = 100). The property tax rate in Missouri is 0.91%, which is near the national average. Kirkwood has a population of 27,887 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 Kirkwood, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.