FHA Loan Calculator — Missouri
On the typical Missouri home ($268,000), 3.5% down leaves a $258,620 base loan. The 1.75% upfront premium ($4,526) is financed, for a $263,146 loan, and annual MIP of 0.55% adds $120 a month for the life of the loan. Missouri FHA limits run $541,287–$832,750 by county.
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.
Loan Parameters
Total Monthly Payment
$2,406
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$369,023
Total Cost
$851,966
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $21,072 | $2,658 | $18,415 | $1,441 | $260,488 | $7,512 |
| Year 2 | $21,072 | $2,851 | $18,222 | $1,426 | $257,638 | $10,362 |
| Year 3 | $21,072 | $3,058 | $18,015 | $1,409 | $254,580 | $13,420 |
| Year 4 | $21,072 | $3,280 | $17,793 | $1,392 | $251,300 | $16,700 |
| Year 5 | $21,072 | $3,518 | $17,555 | $1,373 | $247,783 | $20,217 |
| Year 6 | $21,072 | $3,773 | $17,299 | $1,353 | $244,010 | $23,990 |
| Year 7 | $21,072 | $4,047 | $17,025 | $1,332 | $239,962 | $28,038 |
| Year 8 | $21,072 | $4,341 | $16,731 | $1,309 | $235,621 | $32,379 |
| Year 9 | $21,072 | $4,656 | $16,416 | $1,284 | $230,965 | $37,035 |
| Year 10 | $21,072 | $4,994 | $16,078 | $1,258 | $225,971 | $42,029 |
| Year 11 | $21,072 | $5,357 | $15,715 | $1,230 | $220,614 | $47,386 |
| Year 12 | $21,072 | $5,746 | $15,326 | $1,199 | $214,868 | $53,132 |
| Year 13 | $21,072 | $6,163 | $14,909 | $1,166 | $208,705 | $59,295 |
| Year 14 | $21,072 | $6,611 | $14,462 | $1,131 | $202,095 | $65,905 |
| Year 15 | $21,072 | $7,091 | $13,982 | $1,094 | $195,004 | $72,996 |
| Year 16 | $21,072 | $7,605 | $13,467 | $1,054 | $187,399 | $80,601 |
| Year 17 | $21,072 | $8,158 | $12,915 | $1,010 | $179,241 | $88,759 |
| Year 18 | $21,072 | $8,750 | $12,322 | $964 | $170,491 | $97,509 |
| Year 19 | $21,072 | $9,385 | $11,687 | $914 | $161,106 | $106,894 |
| Year 20 | $21,072 | $10,067 | $11,005 | $861 | $151,039 | $116,961 |
| Year 21 | $21,072 | $10,798 | $10,275 | $804 | $140,241 | $127,759 |
| Year 22 | $21,072 | $11,582 | $9,491 | $743 | $128,660 | $139,340 |
| Year 23 | $21,072 | $12,423 | $8,650 | $677 | $116,237 | $151,763 |
| Year 24 | $21,072 | $13,325 | $7,748 | $606 | $102,912 | $165,088 |
| Year 25 | $21,072 | $14,292 | $6,780 | $530 | $88,620 | $179,380 |
| Year 26 | $21,072 | $15,330 | $5,742 | $449 | $73,290 | $194,710 |
| Year 27 | $21,072 | $16,443 | $4,629 | $362 | $56,847 | $211,153 |
| Year 28 | $21,072 | $17,637 | $3,435 | $269 | $39,210 | $228,790 |
| Year 29 | $21,072 | $18,918 | $2,155 | $169 | $20,292 | $247,708 |
| Year 30 | $21,074 | $20,292 | $781 | $61 | $0 | $268,000 |
FHA Loan numbers for Missouri
- Typical Missouri home value
- $268,000
- 3.5% down ($9,380) · Zillow, August 31, 2026
- Loan amount
- $263,146
- Includes $4,526 financed UFMIP
- Estimated monthly payment
- $2,406
- APR 7.761%
- Missouri property tax
- 0.89%
- $199/mo
- Homeowners insurance
- $3,979/yr
- $332/mo
- Upfront MIP (1.75%)
- $4,526
- Financed into the loan
- Annual MIP
- 0.55%
- $120/mo in year 1 · life of loan
- Missouri FHA loan limit
- $541,287 – $832,750
- One-unit, by county
How much house can you afford in Missouri with an fha loan?
Highest price where principal, interest, Missouri property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% 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 |
|---|---|---|---|---|
| $40,000 | $933 | $77,000 | $2,695 | 29% |
| $50,000 | $1,167 | $107,000 | $3,745 | 40% |
| $60,000 | $1,400 | $137,000 | $4,795 | 51% |
| $75,000 | $1,750 | $183,000 | $6,405 | 68% |
| $100,000 | $2,333 | $258,000 | $9,030 | 96% |
| $125,000 | $2,917 | $333,000 | $11,655 | 124% |
| $150,000 | $3,500 | $409,000 | $14,315 | 153% |
FHA vs other loan types 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 payment on a $268,000 home with an fha loan in Missouri?
Estimated $2,406 per month ($1,756 principal & interest, $199 property tax, $332 insurance, $120 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Missouri for 2026?
Between $541,287 and $832,750 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
Explore related calculators
Compare in Missouri
FHA Loan calculator in nearby states
- FHA Loan calculator — Arkansas ($2,006/mo)
- FHA Loan calculator — Illinois ($2,773/mo)
- FHA Loan calculator — Iowa ($2,188/mo)
- FHA Loan calculator — Kansas ($2,440/mo)
- FHA Loan calculator — Kentucky ($2,112/mo)
- FHA Loan calculator — Nebraska ($2,684/mo)
- FHA Loan calculator — Oklahoma ($2,125/mo)
- FHA Loan calculator — Tennessee ($2,729/mo)
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
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.