Mortgage Rates in Sedalia, Missouri — March 2026
Updated March 2026 | Based on Sedalia market data and regional lending conditions
Sedalia is a growing city in Missouri with a population of 21,848. The current 30-year fixed mortgage rate in Sedalia is 6.43%, which is 0.22% below the national average. With a median home price of $115,000 and a 20% down payment of $23,000, homebuyers can expect a monthly principal and interest payment of approximately $577.
Current Mortgage Rates in Sedalia, MO
Below are the current average mortgage rates available in the Sedalia 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 | 6.43% | 6.65% | -0.22% |
| 15-Year Fixed | 5.67% | 5.89% | -0.22% |
| 5/1 ARM | 5.93% | 6.15% | -0.22% |
| FHA | 6.03% | 6.25% | -0.22% |
| VA | 5.83% | 6.05% | -0.22% |
| Jumbo | 6.63% | 6.85% | -0.22% |
Sedalia Housing Market Overview
The Sedalia housing market offers relatively affordable housing compared to many major cities. The median household income in Sedalia is $35,000, and the cost of living index is 77 (national average = 100). Based on the 28% affordability rule, the median income in Sedalia is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Sedalia
Based on the median home price of $115,000 with 20% down ($23,000), here is what you can expect to pay monthly in Sedalia:
15-Year vs. 30-Year Mortgage in Sedalia
Choosing a 15-year mortgage in Sedalia at 5.67% instead of a 30-year at 6.43% would save you $70,920 in total interest over the life of the loan. However, your monthly payment would be $760 instead of $577 — an increase of $183 per month.
Calculate Your Sedalia 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 Sedalia
What are the current mortgage rates in Sedalia, MO?
As of March 2026, the average 30-year fixed mortgage rate in Sedalia, Missouri is 6.43%, while the 15-year fixed rate is 5.67%. FHA loans average 6.03% and VA loans 5.83%. These rates are 0.22% below the national average of 6.65%.
How much is a monthly mortgage payment in Sedalia?
Based on the median home price of $115,000 with 20% down, the estimated monthly mortgage payment in Sedalia is $577 for principal and interest. Including property taxes of $91/month, the total monthly housing cost is approximately $668.
What income do I need to buy a home in Sedalia?
Using the 28% rule, you would need an annual income of approximately $28,629 to afford the median-priced home in Sedalia at $115,000. The median household income in Sedalia is $35,000. The median income is currently sufficient to meet this threshold.
Is Sedalia a good place to buy a home in 2026?
Sedalia offers a below-average cost of living with a cost of living index of 77 (national average = 100). The property tax rate in Missouri is 0.95%, which is near the national average. Sedalia has a population of 21,848 and offers a very affordable lifestyle.
Mortgage Rates in Other Missouri Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Sedalia, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.