FHA Loan Limits in St. Louis City County, Missouri (2026)
In St. Louis City County — anchored by St. Louis City County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout St. Louis City County, from St. Louis City County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
Affording a home in St. Louis City County & St. Louis City County
Homes around St. Louis City County carry an estimated local median near $229,000, so an FHA buyer in St. Louis City County puts down about $8,015 (3.5%). With Missouri's 0.97% effective property-tax rate, the all-in payment runs near $1,788 a month — comfortable on household income around $69,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in St. Louis City County
FHA payments across St. Louis City County price points — from entry homes near St. Louis City County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $165,000 | $5,775 | $1,321 |
| Local median — $229,000 | $8,015 | $1,788 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near St. Louis City County too — get notified.
In St. Louis City County and the surrounding St. Louis City County market, FHA's appeal is the math: $8,015 down on a $229,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in St. Louis City County
St. Louis City County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in St. Louis City County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in St. Louis City County for 2026?
- In St. Louis City County (St. Louis City County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in St. Louis City County with FHA?
- For a median-priced ($229,000) St. Louis City County home, plan on income around $69,000 at a 31% housing ratio — about $1,788/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Louis City County?
- 3.5% with a 580+ score — roughly $8,015 on a $229,000 St. Louis City County-area home. Gift funds are allowed.
- Is St. Louis City County a high-cost FHA area?
- No — St. Louis City County uses the $541,287 national floor for one unit.