Mortgage Rates in Warrensburg, Missouri — March 2026
Updated March 2026 | Based on Warrensburg market data and regional lending conditions
Warrensburg is a growing city in Missouri with a population of 20,913. The current 30-year fixed mortgage rate in Warrensburg is 6.41%, which is 0.24% below the national average. With a median home price of $165,000 and a 20% down payment of $33,000, homebuyers can expect a monthly principal and interest payment of approximately $827.
Current Mortgage Rates in Warrensburg, MO
Below are the current average mortgage rates available in the Warrensburg 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 | 6.41% | 6.65% | -0.24% |
| 15-Year Fixed | 5.65% | 5.89% | -0.24% |
| 5/1 ARM | 5.91% | 6.15% | -0.24% |
| FHA | 6.01% | 6.25% | -0.24% |
| VA | 5.81% | 6.05% | -0.24% |
| Jumbo | 6.61% | 6.85% | -0.24% |
Warrensburg Housing Market Overview
The Warrensburg housing market offers relatively affordable housing compared to many major cities. The median household income in Warrensburg is $38,000, and the cost of living index is 80 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $41,229 to comfortably afford the median-priced home in Warrensburg, which exceeds the current median household income.
Monthly Payment Breakdown for Warrensburg
Based on the median home price of $165,000 with 20% down ($33,000), here is what you can expect to pay monthly in Warrensburg:
15-Year vs. 30-Year Mortgage in Warrensburg
Choosing a 15-year mortgage in Warrensburg at 5.65% instead of a 30-year at 6.41% would save you $101,700 in total interest over the life of the loan. However, your monthly payment would be $1,089 instead of $827 — an increase of $262 per month.
Calculate Your Warrensburg 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 Warrensburg
What are the current mortgage rates in Warrensburg, MO?
As of March 2026, the average 30-year fixed mortgage rate in Warrensburg, Missouri is 6.41%, while the 15-year fixed rate is 5.65%. FHA loans average 6.01% and VA loans 5.81%. These rates are 0.24% below the national average of 6.65%.
How much is a monthly mortgage payment in Warrensburg?
Based on the median home price of $165,000 with 20% down, the estimated monthly mortgage payment in Warrensburg is $827 for principal and interest. Including property taxes of $135/month, the total monthly housing cost is approximately $962.
What income do I need to buy a home in Warrensburg?
Using the 28% rule, you would need an annual income of approximately $41,229 to afford the median-priced home in Warrensburg at $165,000. The median household income in Warrensburg is $38,000. This means most households would need to either earn above the median or consider homes below $165,000.
Is Warrensburg a good place to buy a home in 2026?
Warrensburg offers a below-average cost of living with a cost of living index of 80 (national average = 100). The property tax rate in Missouri is 0.98%, which is near the national average. Warrensburg has a population of 20,913 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 Warrensburg, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.