FHA Loan Limits in St. Louis County, Missouri (2026)
From St. Louis County, FHA buyers in St. Louis County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 County, from St. Louis County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
What can you buy with FHA in St. Louis County?
An FHA buyer near St. Louis County faces an estimated $260,000 median, a $9,100 down payment, and — after Missouri's 0.97% property tax — a monthly cost around $2,014. That suits household income of roughly $78,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in St. Louis County
FHA payments across St. Louis County price points — from entry homes near St. Louis County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $187,000 | $6,545 | $1,481 |
| Local median — $260,000 | $9,100 | $2,014 |
| 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 County too — get notified.
In St. Louis County and the surrounding St. Louis County market, FHA's appeal is the math: $9,100 down on a $260,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in St. Louis County
St. Louis 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 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 County for 2026?
- In St. Louis County (St. Louis 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 County with FHA?
- For a median-priced ($260,000) St. Louis County home, plan on income around $78,000 at a 31% housing ratio — about $2,014/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Louis County?
- 3.5% with a 580+ score — roughly $9,100 on a $260,000 St. Louis County-area home. Gift funds are allowed.
- Is St. Louis County a high-cost FHA area?
- No — St. Louis County uses the $541,287 national floor for one unit.