Missouri FHA Loan Limits 2026

View FHA loan limits for all 115 counties in Missouri. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

115

Lowest Limit

$541,287

Highest Limit

$541,287

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Missouri has 115 standard-limit counties. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Adair County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Andrew County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Atchison Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Audrain County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bates County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Benton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bollinger Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Boone County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buchanan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caldwell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Callaway Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Camden County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cape Girardeau	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carroll County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cass County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cedar County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chariton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Christian Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clark County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clinton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cole County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cooper County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crawford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dade County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dallas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Daviess County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dekalb County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dent County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Douglas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dunklin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gasconade Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gentry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greene County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grundy County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harrison Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Henry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hickory County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Holt County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Howard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Howell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iron County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jasper County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Knox County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Laclede County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lafayette Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lawrence Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lewis County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Linn County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Livingston Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Macon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Maries County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcdonald Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mercer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Miller County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mississippi Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Moniteau Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Monroe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morgan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
New Madrid Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Newton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nodaway County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oregon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Osage County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ozark County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pemiscot Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Perry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pettis County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Phelps County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pike County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Platte County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pulaski County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Putnam County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ralls County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Randolph Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ray County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Reynolds Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ripley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Saline County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Schuyler Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scotland Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scott County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shannon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shelby County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Charles Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Clair Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Francois C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Louis City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Louis Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ste. Genevieve	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stoddard Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stone County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sullivan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Taney County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Texas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Vernon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Warren County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wayne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Webster County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Worth County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wright County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Missouri

Use the calculator below with Missouri pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

Free, no obligation. Local professionals compete to help you.

Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in Missouri

FHA loan limits in Missouri vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Missouri's single-family FHA limits range from $541,287 to $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.