Since Q1 2020, home prices have risen 56.4% in the St. Louis metro and 64.7% in the Kansas City metro. The US rose 60.5% over the same quarters, so St. Louis has nearly kept pace with the US (−4.1 points) and Kansas City has nearly kept pace with the US (+4.2 points).
Measured against each other, Kansas City is 8.3 points ahead of St. Louis since Q1 2020. Over the four quarters to Q2 2026, home prices rose 4.1% in St. Louis and 3.2% in Kansas City, against +3.0% for the US.
Home prices and the 30-year mortgage rate
The average 30-year fixed mortgage rate was 3.5% in Q1 2020. It fell to 2.8% in Q4 2020 and stayed at or below its starting level through Q4 2021, then climbed to 7.3% in Q4 2023. It averaged 6.4% in Q2 2026.
From Q1 2020 to Q4 2021, while rates stayed low, home prices rose 9.6% a year in St. Louis and 12.7% in Kansas City. From Q4 2021 to Q2 2026, as rates climbed, they rose 6.6% a year in St. Louis and 6.6% in Kansas City. Both slowed after Q4 2021, Kansas City by 6.1 points a year and St. Louis by 3.0 points. The US went from 13.1% a year to 5.9%.
| Q1 2020 to Q4 2021Rate 3.5% to 3.1% | +9.6% | +12.7% | +13.1% |
|---|---|---|---|
| Q4 2021 to Q2 2026Rate 3.1% to 6.4% | +6.6% | +6.6% | +5.9% |
| Four quarters to Q2 2026Rate 6.8% to 6.4% | +4.1% | +3.2% | +3.0% |
Compare any market
The explorer opens on St. Louis and Kansas City. Search for any state, metro area, county or ZIP code to draw the same comparison, with the mortgage rate underneath. For New York against Washington and every state, metro, county and ZIP code against the US, read DC and New York since the pandemic.
Using this chart
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How the numbers are built
Home prices come from the Federal Housing Finance Agency's all-transactions house price index, which tracks repeat sales and refinance appraisals on the same homes through mortgages bought or guaranteed by Fannie Mae and Freddie Mac. Because it follows the same homes, it measures price change on a steady basket, where a median sale price moves with the mix of homes that sold. The two series are FHFA's St. Louis, MO-IL and Kansas City, MO-KS metro areas. Figures are quarterly, nominal and not seasonally adjusted.
The mortgage rate is Freddie Mac's Primary Mortgage Market Survey average for a 30-year fixed-rate loan, a weekly series averaged over each quarter. Yearly paces are compound rates over each period. Data as of September 28, 2026.