Mortgage Rates in Rolla, Missouri — March 2026
Updated March 2026 | Based on Rolla market data and regional lending conditions
Rolla is a growing city in Missouri with a population of 20,186. The current 30-year fixed mortgage rate in Rolla is 6.73%, which is 0.08% above the national average. With a median home price of $169,000 and a 20% down payment of $33,800, homebuyers can expect a monthly principal and interest payment of approximately $875.
Current Mortgage Rates in Rolla, MO
Below are the current average mortgage rates available in the Rolla 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 | 6.73% | 6.65% | +0.08% |
| 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 | 6.98% | 6.85% | +0.13% |
Rolla Housing Market Overview
The Rolla housing market offers relatively affordable housing compared to many major cities. The median household income in Rolla is $55,300, and the cost of living index is 89.4 (national average = 100). Based on the 28% affordability rule, the median income in Rolla is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Rolla
Based on the median home price of $169,000 with 20% down ($33,800), here is what you can expect to pay monthly in Rolla:
15-Year vs. 30-Year Mortgage in Rolla
Choosing a 15-year mortgage in Rolla at 5.98% instead of a 30-year at 6.73% would save you $109,980 in total interest over the life of the loan. However, your monthly payment would be $1,139 instead of $875 — an increase of $264 per month.
Calculate Your Rolla 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 Rolla
What are the current mortgage rates in Rolla, MO?
As of March 2026, the average 30-year fixed mortgage rate in Rolla, Missouri is 6.73%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Rolla?
Based on the median home price of $169,000 with 20% down, the estimated monthly mortgage payment in Rolla is $875 for principal and interest. Including property taxes of $128/month, the total monthly housing cost is approximately $1,003.
What income do I need to buy a home in Rolla?
Using the 28% rule, you would need an annual income of approximately $42,986 to afford the median-priced home in Rolla at $169,000. The median household income in Rolla is $55,300. The median income is currently sufficient to meet this threshold.
Is Rolla a good place to buy a home in 2026?
Rolla offers a below-average cost of living with a cost of living index of 89.4 (national average = 100). The property tax rate in Missouri is 0.91%, which is near the national average. Rolla has a population of 20,186 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 Rolla, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.