Missouri Mortgage Calculator
Missouri has the 23rd-highest effective property tax rate of the 50 states at 0.89% — $54 less a year than the 0.91% state average on a $268,000 home. Homeowners insurance averages $3,979 a year, the 9th-highest premium nationally and $1,259 more than the typical state.
All 115 Missouri counties use the $832,750 baseline conforming limit for 2026, so any one-unit loan above it is a jumbo loan. FHA limits run from $541,287 to $832,750 by county.
On a $268,000 home, property tax and insurance add $530 a month in Missouri, compared with $363 in Tennessee, $436 in Arkansas, $502 in Kentucky, $539 in Iowa, $594 in Oklahoma, $640 in Illinois, $701 in Nebraska, $709 in Kansas.
Loan Parameters
Total Monthly Payment
$2,285
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$338,248
Total Cost
$784,846
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $19,315 | $2,436 | $16,879 | $1,737 | $238,764 | $29,236 |
| Year 2 | $19,315 | $2,613 | $16,702 | $1,737 | $236,151 | $31,849 |
| Year 3 | $19,315 | $2,803 | $16,512 | $1,737 | $233,349 | $34,651 |
| Year 4 | $19,315 | $3,006 | $16,309 | $1,737 | $230,343 | $37,657 |
| Year 5 | $19,315 | $3,224 | $16,091 | $1,737 | $227,118 | $40,882 |
| Year 6 | $19,315 | $3,458 | $15,856 | $1,737 | $223,660 | $44,340 |
| Year 7 | $19,315 | $3,710 | $15,605 | $1,737 | $219,950 | $48,050 |
| Year 8 | $19,315 | $3,979 | $15,336 | $1,737 | $215,971 | $52,029 |
| Year 9 | $19,315 | $4,268 | $15,047 | $579 | $211,703 | $56,297 |
| Year 10 | $19,315 | $4,578 | $14,737 | — | $207,126 | $60,874 |
| Year 11 | $19,315 | $4,910 | $14,405 | — | $202,216 | $65,784 |
| Year 12 | $19,315 | $5,267 | $14,048 | — | $196,949 | $71,051 |
| Year 13 | $19,315 | $5,649 | $13,666 | — | $191,300 | $76,700 |
| Year 14 | $19,315 | $6,059 | $13,256 | — | $185,241 | $82,759 |
| Year 15 | $19,315 | $6,499 | $12,816 | — | $178,742 | $89,258 |
| Year 16 | $19,315 | $6,971 | $12,344 | — | $171,771 | $96,229 |
| Year 17 | $19,315 | $7,477 | $11,838 | — | $164,293 | $103,707 |
| Year 18 | $19,315 | $8,020 | $11,295 | — | $156,273 | $111,727 |
| Year 19 | $19,315 | $8,603 | $10,712 | — | $147,671 | $120,329 |
| Year 20 | $19,315 | $9,227 | $10,088 | — | $138,443 | $129,557 |
| Year 21 | $19,315 | $9,897 | $9,418 | — | $128,546 | $139,454 |
| Year 22 | $19,315 | $10,616 | $8,699 | — | $117,931 | $150,069 |
| Year 23 | $19,315 | $11,387 | $7,928 | — | $106,544 | $161,456 |
| Year 24 | $19,315 | $12,213 | $7,102 | — | $94,331 | $173,669 |
| Year 25 | $19,315 | $13,100 | $6,215 | — | $81,231 | $186,769 |
| Year 26 | $19,315 | $14,051 | $5,263 | — | $67,179 | $200,821 |
| Year 27 | $19,315 | $15,072 | $4,243 | — | $52,108 | $215,892 |
| Year 28 | $19,315 | $16,166 | $3,149 | — | $35,942 | $232,058 |
| Year 29 | $19,315 | $17,340 | $1,975 | — | $18,602 | $249,398 |
| Year 30 | $19,318 | $18,602 | $716 | — | $0 | $268,000 |
Missouri mortgage data
- Typical home value
- $267,879
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.89%
- $2,385/yr on a $268,000 home
- Average homeowners insurance
- $3,979/yr
- $332/mo
- 2026 conforming loan limit
- $832,750
- 115 counties
- High-cost counties
- 0
- None — baseline limit statewide
- 2026 FHA loan limit (1-unit)
- $541,287 – $832,750
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Missouri?
Highest price where principal, interest, Missouri property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $114,000 | $11,400 | 43% |
| $75,000 | $1,750 | $194,000 | $19,400 | 72% |
| $100,000 | $2,333 | $274,000 | $27,400 | 102% |
| $125,000 | $2,917 | $354,000 | $35,400 | 132% |
| $150,000 | $3,500 | $434,000 | $43,400 | 162% |
| $200,000 | $4,667 | $594,000 | $59,400 | 222% |
| $250,000 | $5,833 | $754,000 | $75,400 | 281% |
Missouri mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Missouri property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,472 | $64,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,662 | $72,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,852 | $80,000 | Conforming |
| $225,000 mortgage | $1,501 | $2,042 | $88,000 | Conforming |
| $250,000 mortgage | $1,668 | $2,232 | $96,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,422 | $104,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,612 | $112,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,802 | $121,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,992 | $129,000 | Conforming |
| $375,000 mortgage | $2,502 | $3,182 | $137,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,372 | $145,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,562 | $153,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,752 | $161,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,942 | $169,000 | Conforming |
| $500,000 mortgage | $3,337 | $4,132 | $178,000 | Conforming |
| $525,000 mortgage | $3,503 | $4,322 | $186,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,512 | $194,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,702 | $202,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,892 | $210,000 | Conforming |
| $625,000 mortgage | $4,171 | $5,082 | $218,000 | Conforming |
| $650,000 mortgage | $4,338 | $5,272 | $226,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,462 | $235,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,652 | $243,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,842 | $251,000 | Conforming |
| $750,000 mortgage | $5,005 | $6,032 | $259,000 | Conforming |
| $775,000 mortgage | $5,172 | $6,222 | $267,000 | Conforming |
| $800,000 mortgage | $5,339 | $6,412 | $275,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,602 | $283,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,792 | $292,000 | Jumbo |
| $875,000 mortgage | $5,839 | $6,982 | $300,000 | Jumbo |
| $900,000 mortgage | $6,006 | $7,172 | $308,000 | Jumbo |
| $925,000 mortgage | $6,173 | $7,362 | $316,000 | Jumbo |
| $950,000 mortgage | $6,340 | $7,552 | $324,000 | Jumbo |
| $975,000 mortgage | $6,506 | $7,742 | $332,000 | Jumbo |
| $1,000,000 mortgage | $6,673 | $7,932 | $340,000 | Jumbo |
| $1,100,000 mortgage | $7,341 | $8,692 | $373,000 | Jumbo |
| $1,200,000 mortgage | $8,008 | $9,452 | $406,000 | Jumbo |
| $1,300,000 mortgage | $8,675 | $10,212 | $438,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,972 | $471,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $11,732 | $503,000 | Jumbo |
Loan programs compared in Missouri
$268,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $26,800 | $241,200 | — | $145 PMI | $2,285 | 7.488% |
| FHA | 3.5% · $9,380 | $263,146 | UFMIP $4,526 | $120 MIP | $2,406 | 7.761% |
| VA | 0% · $0 | $273,762 | Funding fee $5,762 | $0 | $2,357 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $53,600 | $214,400 | — | $0 | $1,961 | 7.030% |
Frequently asked questions
What is the monthly mortgage payment on a $268,000 home in Missouri?
$268,000 is the typical Missouri home value. With 10% down on a conventional loan, the estimated payment is $2,285 per month ($1,610 principal & interest, $199 property tax, $332 insurance, $145 PMI) at 7.03% for 30 years, including Missouri's 0.89% effective property tax rate.
What is the 2026 conforming loan limit in Missouri?
$832,750 for a one-unit home in all 115 counties. Larger loans are jumbo loans.
How much income do I need for a $268,000 home in Missouri?
About $98,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Missouri on a $100,000 salary?
About $274,000 with 10% down, keeping the payment (including Missouri property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Missouri home ($267,879) needs roughly $98,000 a year.
Explore related calculators
Missouri calculators by loan type
Nearby states
- Arkansas · 0.56% tax, $3,733/yr insurance
- Illinois · 1.88% tax, $2,643/yr insurance
- Iowa · 1.33% tax, $2,902/yr insurance
- Kansas · 1.21% tax, $5,260/yr insurance
- Kentucky · 0.74% tax, $4,042/yr insurance
- Nebraska · 1.44% tax, $4,553/yr insurance
- Oklahoma · 0.79% tax, $5,010/yr insurance
- Tennessee · 0.52% tax, $2,958/yr insurance
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.