Mississippi Mortgage Rate Trends
Track current and weekly average mortgage rates across all loan products in Mississippi, view interactive rate trend charts, and compare MS borrowing costs against the national average.
Current Mississippi Mortgage Rate Trends
Mortgage rates in Mississippi held steady this week at a 30-year fixed average of 6.105%. MS rates are unchanged from the prior week, reflecting a period of stability in local lending conditions.
At 6.105%, Mississippi's 30-year fixed rate sits -0.216 below the current national average of 6.321%. This favorable spread suggests MS borrowers may have a competitive advantage relative to the rest of the country.
The 15-year fixed rate in Mississippi currently averages 5.710%, compared to 5.710% last week. Homeowners considering a refinance into a shorter term should weigh this rate against their current loan conditions and remaining balance. Shorter-term loans typically carry lower rates but require higher monthly payments.
The Mississippi mortgage rate averages displayed on this page are calculated from 71 verified mortgage rate quotes collected across 23 lenders actively operating in Mississippi. Our proprietary systems collect and verify mortgage rates daily — tracking what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates.
Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions across Mississippi. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for what rates actually look like in MS.
Data reflects average rates offered by licensed institutions operating in MS. Last Updated: April 18, 2026
Mississippi Mortgage Rate Trends
Daily average rates across all loan products. Hover over the chart to see exact rates for each day.
Mississippi mortgage rate averages compiled from 71 current mortgage rates across 23 lenders operating in MS — updated daily.
As of Apr 18, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Mississippi housing markets, real estate professionals advising clients on timing, and academic researchers studying regional lending patterns are welcome to cite and reference this data. All historical MS rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/mortgage-loan-rates/mississippi/trends. For custom data pulls, contact us here.
