What are current va rates in St. Clair County?

Today's va rates in St. Clair County start at 7.074% for qualified borrowers. Rates are updated daily using live investor pricing data from Safe Rate's pricing engine.

VA Loan Rates — who qualifies in St. Clair County?

VA loans offer 0% down payment with no PMI for eligible veterans and active-duty military. See today's VA rates.

What are current mortgage rates in St. Clair County?

As of today, a standard conventional rate in St. Clair County is 7.074% (APR 7.103%) for a 30-year fixed loan. This assumes a 20% down payment and a 740+ credit score. Rates are updated daily using Safe Rate's live pricing engine.

How much does a home cost in St. Clair County?

The average home value in St. Clair County is $225,945, with +17.7% appreciation over the past two years. At a 2.7x price-to-income ratio, affordability remains reasonable compared to many U.S. markets.

What is the typical monthly mortgage payment in St. Clair County?

Based on the average home value with a standard conventional loan, the estimated principal and interest payment is $1,307/mo. Total PITI costs will also include property taxes ($3,783/yr locally), homeowners insurance (est. $83/mo), and any applicable mortgage insurance.

How do I qualify for a mortgage?

Conventional loans typically require a 620+ credit score and 3–20% down. With 20% down you avoid PMI. FHA loans are available with as little as 3.5% down and a 580+ credit score. VA loans offer 0% down for eligible veterans. Requirements vary by loan program. Contact a licensed loan officer for guidance specific to your situation.

How are these mortgage rates calculated?

Safe Rate Mortgage (NMLS #1590949) updates these rates daily using live investor rate sheets. Your actual rate may vary based on credit score, down payment, and property type.

Safe Rate Local

Mortgage Rates in St. Clair County, IL

7.074%APR 7.103% · $1,307/mo (20% Down)

Updated daily · May 22, 2026+0.199% (14d)

Safe Rate Mortgage20% Down Conv.

← Back to St. Clair County Hub

14-Day Rate Trend

↑ +0.199%

LO 6.843%HI 7.074%TODAY 7.074%

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VA Loan Details for St. Clair County

2025 VA guidelines · Eligible veterans, active duty & surviving spouses

✅

No monthly mortgage insurance — ever

A comparable conventional loan with <20% down would add approx. $173/mo in PMI. VA loans eliminate this cost for the life of the loan.

Down Payment

0% required · no loan limit

Min. Credit Score

620+

Varies by lender

VA Funding Fee

$5,241

2.15% first use · can be financed

PMI

None

Eliminated for all VA loans

VA Funding Fee Table (2025)

Use	0% Down	5–9% Down	10%+ Down
First Use	2.15%	1.50%	1.25%
Subsequent	3.30%	1.50%	1.25%
Exempt	10%+ VA disability rating · Purple Heart · surviving spouses

• VA entitlement allows multiple VA loans simultaneously if prior loan is paid off or entitlement is restored
• No prepayment penalty — pay off your loan early at no cost
• VA IRRRL (streamline refinance) available with no appraisal, minimal paperwork

Product	Key Attributes	Rate / APR ↑	Mo. Payment ↕	Points
VA 0% Down VA purchase, no down payment	0% Down700 FICO30-yr	6.437% 6.680% APR	$1,564 Principal & Interest	$0 Points
VA IRRRL VA streamline refinance	0% Down640 FICO30-yr	6.448% 6.598% APR	$1,396 Principal & Interest	$0 Points

Safe Rate Mortgage Pricing for St. Clair County

Median Home Value

$225,945

2-Yr Appreciation

17.7%

increase

Median Income

$82,308

household

Price-to-Income

2.7x

within reach

Rates updated daily by Safe Rate Mortgage (NMLS #1590949). Your actual rate depends on credit score, down payment, and property details.

Frequently Asked Questions

Market Snapshot

FIPS 17163

Average Home Value: $225,945
Average Rent: $1,162/mo
Average Income: $82,308
Property Tax: $3,783/yr
Avg Loan: $198,180
Avg LTV: 81.3%

Estimated Insurance

Homeowners Insurance

HO-3 policy · covers dwelling, property & liability

$83/mo

Flood Insurance$40/mo

Risk TierHigh

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Safe Rate Mortgage. NMLS #1590949. Rates shown are representative estimates. Illinois Residential Mortgage Licensee. Loans subject to credit and property approval. Rates and terms are subject to change without notice.