FHA Loan Limits in Missouri (2026)
For 2026, the FHA loan limit in most Missouri counties is $541,287 for a single-family home. Missouri has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Missouri
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| St. Louis County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jackson County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Charles County | $541,287 | $692,997 | $1,041,072 | Standard |
| Greene County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clay County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Louis City County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boone County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jasper County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cass County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Platte County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cole County | $541,287 | $692,997 | $1,041,072 | Standard |
| Buchanan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Christian County | $541,287 | $692,997 | $1,041,072 | Standard |
| Newton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Camden County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cape Girardeau County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lincoln County | $541,287 | $692,997 | $1,041,072 | Standard |
| Taney County | $541,287 | $692,997 | $1,041,072 | Standard |
| Callaway County | $541,287 | $692,997 | $1,041,072 | Standard |
| Phelps County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pettis County | $541,287 | $692,997 | $1,041,072 | Standard |
| Webster County | $541,287 | $692,997 | $1,041,072 | Standard |
| Warren County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Missouri
FHA loans are popular with first-time buyers in Missouri because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Missouri for 2026?
- Most Missouri counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Missouri?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.