Mortgage Rates in Poplar Bluff, Missouri — April 2026
Updated April 2026 | Based on Poplar Bluff market data and regional lending conditions
Poplar Bluff is a smaller Missouri community of 17,023 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.76% (0.67% above the national average). At a median home price of $201,000, the estimated $1,206/month payment (with 20% down) is affordable on the local median income of $52,800.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In Poplar Bluff, MO, the current 30-year rate is 6.76%. Shorter terms (15-year fixed at 5.99% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.5%) and VA loans (6.25%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in Poplar Bluff, MO
Below are the current average mortgage rates available in the Poplar Bluff area as of April 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 | 6.76% | 6.09% | +0.67% |
| 15-Year Fixed | 5.99% | 5.58% | +0.41% |
| 5/1 ARM | 6.25% | 5.95% | +0.3% |
| FHA | 6.5% | 5.85% | +0.65% |
| VA | 6.25% | 5.65% | +0.6% |
| Jumbo | 7.01% | 6.25% | +0.76% |
Poplar Bluff Housing Market Overview
At $201,000, Poplar Bluff offers more affordable housing than most U.S. metros. The local cost of living index is 86.3 (100 = national average), and the median household income of $52,800 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Poplar Bluff
Based on the median home price of $201,000 with 20% down ($40,200), here is what you can expect to pay monthly in Poplar Bluff:
15-Year vs. 30-Year Mortgage in Poplar Bluff
Choosing a 15-year mortgage in Poplar Bluff at 5.99% instead of a 30-year at 6.76% would save you $131,760 in total interest over the life of the loan. However, your monthly payment would be $1,356 instead of $1,044 — an increase of $312 per month.
Calculate Your Poplar Bluff 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 Poplar Bluff
What are the current mortgage rates in Poplar Bluff, MO?
As of April 2026, the average 30-year fixed mortgage rate in Poplar Bluff, Missouri is 6.76%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.67% above the national average of 6.09%.
How much is a monthly mortgage payment in Poplar Bluff?
Based on the median home price of $201,000 with 20% down, the estimated monthly mortgage payment in Poplar Bluff is $1,044 for principal and interest. Including property taxes of $162/month, the total monthly housing cost is approximately $1,206.
What income do I need to buy a home in Poplar Bluff?
Using the 28% rule, you would need an annual income of approximately $51,686 to afford the median-priced home in Poplar Bluff at $201,000. The median household income in Poplar Bluff is $52,800. The median income is currently sufficient to meet this threshold.
Is Poplar Bluff a good place to buy a home in 2026?
Poplar Bluff offers a below-average cost of living with a cost of living index of 86.3 (national average = 100). The property tax rate in Missouri is 0.97%, which is near the national average. Poplar Bluff has a population of 17,023 and offers a very affordable lifestyle.
Mortgage Rates in Other Missouri Cities
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for Missouri regional spread.
- Median home price: $201,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 0.97% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $52,800 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 2026. Rates are approximate averages based on regional lending data for the Poplar Bluff, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.