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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in MO - Missouri FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Missouri Mortgages

2024 FHA Loan Limits for Missouri

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Missouri are below.

County Name One Family Two Family Three Family Four Family
Adair One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Andrew One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Atchison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Audrain One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Barry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Barton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bates One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bollinger One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Buchanan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Caldwell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Callaway One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Camden One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cape Girardeau One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carroll One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carter One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cass One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cedar One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chariton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Christian One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clinton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cole One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cooper One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crawford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dade One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dallas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Daviess One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dekalb One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dent One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Douglas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dunklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gasconade One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gentry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greene One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grundy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harrison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hickory One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Holt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Howard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Howell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Iron One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jasper One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Johnson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Knox One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Laclede One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lafayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lawrence One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lewis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Linn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Livingston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Macon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Maries One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcdonald One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mercer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Miller One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mississippi One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Moniteau One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
New Madrid One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Newton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nodaway One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Oregon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Osage One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ozark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pemiscot One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pettis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Phelps One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pike One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Platte One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Polk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pulaski One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Putnam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ralls One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Randolph One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ray One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Reynolds One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ripley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Saline One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Schuyler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scotland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scott One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shannon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shelby One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Charles One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Clair One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Francois One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Louis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Louis City One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ste. Genevieve One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stoddard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sullivan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Taney One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Texas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Vernon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Warren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Webster One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Worth One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wright One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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