Mortgage Rates in Wildwood, Missouri — March 2026
Updated March 2026 | Based on Wildwood market data and regional lending conditions
Wildwood is a growing city in Missouri with a population of 35,517. The current 30-year fixed mortgage rate in Wildwood is 6.65%, which is at the national average. With a median home price of $189,000 and a 20% down payment of $37,800, homebuyers can expect a monthly principal and interest payment of approximately $971.
Current Mortgage Rates in Wildwood, MO
Below are the current average mortgage rates available in the Wildwood 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Wildwood Housing Market Overview
The Wildwood housing market offers relatively affordable housing compared to many major cities. The median household income in Wildwood is $50,500, and the cost of living index is 78.7 (national average = 100). Based on the 28% affordability rule, the median income in Wildwood is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Wildwood
Based on the median home price of $189,000 with 20% down ($37,800), here is what you can expect to pay monthly in Wildwood:
15-Year vs. 30-Year Mortgage in Wildwood
Choosing a 15-year mortgage in Wildwood at 5.91% instead of a 30-year at 6.65% would save you $121,140 in total interest over the life of the loan. However, your monthly payment would be $1,269 instead of $971 — an increase of $298 per month.
Calculate Your Wildwood 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 Wildwood
What are the current mortgage rates in Wildwood, MO?
As of March 2026, the average 30-year fixed mortgage rate in Wildwood, Missouri is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Wildwood?
Based on the median home price of $189,000 with 20% down, the estimated monthly mortgage payment in Wildwood is $971 for principal and interest. Including property taxes of $161/month, the total monthly housing cost is approximately $1,132.
What income do I need to buy a home in Wildwood?
Using the 28% rule, you would need an annual income of approximately $48,514 to afford the median-priced home in Wildwood at $189,000. The median household income in Wildwood is $50,500. The median income is currently sufficient to meet this threshold.
Is Wildwood a good place to buy a home in 2026?
Wildwood offers a below-average cost of living with a cost of living index of 78.7 (national average = 100). The property tax rate in Missouri is 1.02%, which is near the national average. Wildwood has a population of 35,517 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 Wildwood, Missouri area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.