Mortgage Rates in Wentzville, Missouri — March 2026
Updated March 2026 | Based on Wentzville market data and regional lending conditions
Wentzville is a growing city in Missouri with a population of 42,838. The current 30-year fixed mortgage rate in Wentzville is 6.66%, which is 0.01% above the national average. With a median home price of $199,000 and a 20% down payment of $39,800, homebuyers can expect a monthly principal and interest payment of approximately $1,023.
Current Mortgage Rates in Wentzville, MO
Below are the current average mortgage rates available in the Wentzville 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Wentzville Housing Market Overview
The Wentzville housing market offers relatively affordable housing compared to many major cities. The median household income in Wentzville is $51,700, and the cost of living index is 89.7 (national average = 100). Based on the 28% affordability rule, the median income in Wentzville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Wentzville
Based on the median home price of $199,000 with 20% down ($39,800), here is what you can expect to pay monthly in Wentzville:
15-Year vs. 30-Year Mortgage in Wentzville
Choosing a 15-year mortgage in Wentzville at 5.92% instead of a 30-year at 6.66% would save you $127,620 in total interest over the life of the loan. However, your monthly payment would be $1,337 instead of $1,023 — an increase of $314 per month.
Calculate Your Wentzville 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 Wentzville
What are the current mortgage rates in Wentzville, MO?
As of March 2026, the average 30-year fixed mortgage rate in Wentzville, Missouri is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Wentzville?
Based on the median home price of $199,000 with 20% down, the estimated monthly mortgage payment in Wentzville is $1,023 for principal and interest. Including property taxes of $169/month, the total monthly housing cost is approximately $1,192.
What income do I need to buy a home in Wentzville?
Using the 28% rule, you would need an annual income of approximately $51,086 to afford the median-priced home in Wentzville at $199,000. The median household income in Wentzville is $51,700. The median income is currently sufficient to meet this threshold.
Is Wentzville a good place to buy a home in 2026?
Wentzville offers a below-average cost of living with a cost of living index of 89.7 (national average = 100). The property tax rate in Missouri is 1.02%, which is near the national average. Wentzville has a population of 42,838 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 Wentzville, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.