Mortgage Rates for ZIP Code 64107 — Kansas City, Missouri — April 2026
Updated April 2026 | Based on local lending data for ZIP code 64107 in Kansas City, MO
ZIP code 64107 is located in Kansas City, Missouri, serving a population of approximately 32,893 residents. The current 30-year fixed mortgage rate in this area is 6.75%, which is 0.66% above the national average. With a median home price of $204,969 and a 20% down payment of $40,994, homebuyers in ZIP 64107 can expect a monthly principal and interest payment of approximately $1,064.
Current Mortgage Rates in ZIP Code 64107
Below are the current average mortgage rates available in ZIP code 64107 (Kansas City, MO) as of April 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.75% | 6.09% | +0.66% |
| 15-Year Fixed | 6.05% | 5.58% | +0.47% |
| 5/1 ARM | 6.25% | 5.95% | +0.3% |
| FHA | 6.3% | 5.85% | +0.45% |
| VA | 6.18% | 5.65% | +0.53% |
| Jumbo | 7.02% | 6.25% | +0.77% |
Housing Market in ZIP Code 64107
The housing market in ZIP code 64107 (Kansas City) offers relatively affordable housing compared to many areas. The median household income in this area is $54,810, and the cost of living index is 90 (national average = 100). Based on the 28% affordability rule, the median income in this ZIP code is sufficient to afford the median-priced home.
Monthly Payment Breakdown for ZIP 64107
Based on the median home price of $204,969 with 20% down ($40,994), here is what you can expect to pay monthly in ZIP code 64107:
15-Year vs. 30-Year Mortgage in ZIP 64107
Choosing a 15-year mortgage in ZIP code 64107 at 6.05% instead of a 30-year at 6.75% would save you $133,200 in total interest over the life of the loan. However, your monthly payment would be $1,388 instead of $1,064 — an increase of $324 per month.
Calculate Your Mortgage Payment for ZIP 64107
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About ZIP Code 64107
What are the current mortgage rates in ZIP code 64107?
As of April 2026, the average 30-year fixed mortgage rate in ZIP code 64107 (Kansas City, Missouri) is 6.75%, while the 15-year fixed rate is 6.05%. FHA loans average 6.3% and VA loans 6.18%. These rates are 0.66% above the national average of 6.09%.
What is the median home price in ZIP code 64107?
The median home price in ZIP code 64107 is $204,969 as of 2026. With a 20% down payment of $40,994, the estimated monthly mortgage payment is $1,064 for principal and interest, plus $171 in property taxes.
How much income do I need to buy a home in ZIP 64107?
Using the 28% rule, you would need an annual income of approximately $52,929 to afford the median-priced home in ZIP code 64107 at $204,969. The median household income in this area is $54,810. The median income is currently sufficient to meet this threshold.
How do mortgage rates in ZIP 64107 compare to the national average?
The 30-year fixed mortgage rate in ZIP code 64107 is 6.75%, which is 0.66% above the national average of 6.09%. Local rates can vary based on regional lending competition, property values, and economic conditions in Kansas City, Missouri. This area has a below-average cost of living (index: 90) compared to the national average of 100.
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Last updated: April 2026. Rates are approximate averages based on regional lending data for ZIP code 64107 in Kansas City, Missouri. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.