Missouri Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 115 counties in Missouri. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
Avg FHA Limit
$541,287
Avg Conforming
$832,750
Max FHA Limit
$541,287
Counties
115
2026 Loan Limits by County in Missouri
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adair County | $541,287 | $832,750 | $165,700 |
| 2 | Andrew County | $541,287 | $832,750 | $215,400 |
| 3 | Atchison County | $541,287 | $832,750 | $106,800 |
| 4 | Audrain County | $541,287 | $832,750 | $143,100 |
| 5 | Barry County | $541,287 | $832,750 | $187,800 |
| 6 | Barton County | $541,287 | $832,750 | $136,500 |
| 7 | Bates County | $541,287 | $832,750 | $170,800 |
| 8 | Benton County | $541,287 | $832,750 | $177,900 |
| 9 | Bollinger County | $541,287 | $832,750 | $179,800 |
| 10 | Boone County | $541,287 | $832,750 | $272,800 |
| 11 | Buchanan County | $541,287 | $832,750 | $166,300 |
| 12 | Butler County | $541,287 | $832,750 | $145,100 |
| 13 | Caldwell County | $541,287 | $832,750 | $166,500 |
| 14 | Callaway County | $541,287 | $832,750 | $201,600 |
| 15 | Camden County | $541,287 | $832,750 | $305,400 |
| 16 | Cape Girardeau County | $541,287 | $832,750 | $220,700 |
| 17 | Carroll County | $541,287 | $832,750 | $117,500 |
| 18 | Carter County | $541,287 | $832,750 | $159,400 |
| 19 | Cass County | $541,287 | $832,750 | $292,400 |
| 20 | Cedar County | $541,287 | $832,750 | $168,100 |
| 21 | Chariton County | $541,287 | $832,750 | $160,900 |
| 22 | Christian County | $541,287 | $832,750 | $274,900 |
| 23 | Clark County | $541,287 | $832,750 | $130,700 |
| 24 | Clay County | $541,287 | $832,750 | $275,600 |
| 25 | Clinton County | $541,287 | $832,750 | $226,800 |
| 26 | Cole County | $541,287 | $832,750 | $229,600 |
| 27 | Cooper County | $541,287 | $832,750 | $203,500 |
| 28 | Crawford County | $541,287 | $832,750 | $172,600 |
| 29 | Dade County | $541,287 | $832,750 | $170,600 |
| 30 | Dallas County | $541,287 | $832,750 | $190,300 |
| 31 | Daviess County | $541,287 | $832,750 | $161,800 |
| 32 | DeKalb County | $541,287 | $832,750 | $169,200 |
| 33 | Dent County | $541,287 | $832,750 | $167,500 |
| 34 | Douglas County | $541,287 | $832,750 | $168,200 |
| 35 | Dunklin County | $541,287 | $832,750 | $97,600 |
| 36 | Franklin County | $541,287 | $832,750 | $227,600 |
| 37 | Gasconade County | $541,287 | $832,750 | $179,900 |
| 38 | Gentry County | $541,287 | $832,750 | $134,000 |
| 39 | Greene County | $541,287 | $832,750 | $221,300 |
| 40 | Grundy County | $541,287 | $832,750 | $112,500 |
| 41 | Harrison County | $541,287 | $832,750 | $109,500 |
| 42 | Henry County | $541,287 | $832,750 | $160,600 |
| 43 | Hickory County | $541,287 | $832,750 | $176,100 |
| 44 | Holt County | $541,287 | $832,750 | $138,200 |
| 45 | Howard County | $541,287 | $832,750 | $159,400 |
| 46 | Howell County | $541,287 | $832,750 | $173,000 |
| 47 | Iron County | $541,287 | $832,750 | $119,300 |
| 48 | Jackson County | $541,287 | $832,750 | $230,500 |
| 49 | Jasper County | $541,287 | $832,750 | $166,900 |
| 50 | Jefferson County | $541,287 | $832,750 | $237,200 |
| 51 | Johnson County | $541,287 | $832,750 | $235,700 |
| 52 | Knox County | $541,287 | $832,750 | $101,400 |
| 53 | Laclede County | $541,287 | $832,750 | $168,400 |
| 54 | Lafayette County | $541,287 | $832,750 | $216,500 |
| 55 | Lawrence County | $541,287 | $832,750 | $175,100 |
| 56 | Lewis County | $541,287 | $832,750 | $130,200 |
| 57 | Lincoln County | $541,287 | $832,750 | $244,300 |
| 58 | Linn County | $541,287 | $832,750 | $123,300 |
| 59 | Livingston County | $541,287 | $832,750 | $147,700 |
| 60 | Macon County | $541,287 | $832,750 | $149,100 |
| 61 | Madison County | $541,287 | $832,750 | $159,000 |
| 62 | Maries County | $541,287 | $832,750 | $219,100 |
| 63 | Marion County | $541,287 | $832,750 | $162,000 |
| 64 | McDonald County | $541,287 | $832,750 | $154,700 |
| 65 | Mercer County | $541,287 | $832,750 | $104,900 |
| 66 | Miller County | $541,287 | $832,750 | $192,600 |
| 67 | Mississippi County | $541,287 | $832,750 | $109,000 |
| 68 | Moniteau County | $541,287 | $832,750 | $181,900 |
| 69 | Monroe County | $541,287 | $832,750 | $149,300 |
| 70 | Montgomery County | $541,287 | $832,750 | $178,700 |
| 71 | Morgan County | $541,287 | $832,750 | $194,400 |
| 72 | New Madrid County | $541,287 | $832,750 | $111,800 |
| 73 | Newton County | $541,287 | $832,750 | $190,700 |
| 74 | Nodaway County | $541,287 | $832,750 | $177,500 |
| 75 | Oregon County | $541,287 | $832,750 | $113,300 |
| 76 | Osage County | $541,287 | $832,750 | $223,300 |
| 77 | Ozark County | $541,287 | $832,750 | $168,600 |
| 78 | Pemiscot County | $541,287 | $832,750 | $97,000 |
| 79 | Perry County | $541,287 | $832,750 | $188,200 |
| 80 | Pettis County | $541,287 | $832,750 | $166,300 |
| 81 | Phelps County | $541,287 | $832,750 | $206,500 |
| 82 | Pike County | $541,287 | $832,750 | $146,000 |
| 83 | Platte County | $541,287 | $832,750 | $345,100 |
| 84 | Polk County | $541,287 | $832,750 | $205,800 |
| 85 | Pulaski County | $541,287 | $832,750 | $189,800 |
| 86 | Putnam County | $541,287 | $832,750 | $119,500 |
| 87 | Ralls County | $541,287 | $832,750 | $168,200 |
| 88 | Randolph County | $541,287 | $832,750 | $159,300 |
| 89 | Ray County | $541,287 | $832,750 | $198,800 |
| 90 | Reynolds County | $541,287 | $832,750 | $151,700 |
| 91 | Ripley County | $541,287 | $832,750 | $119,600 |
| 92 | Saline County | $541,287 | $832,750 | $150,500 |
| 93 | Schuyler County | $541,287 | $832,750 | $137,500 |
| 94 | Scotland County | $541,287 | $832,750 | $158,800 |
| 95 | Scott County | $541,287 | $832,750 | $154,400 |
| 96 | Shannon County | $541,287 | $832,750 | $157,500 |
| 97 | Shelby County | $541,287 | $832,750 | $99,900 |
| 98 | St. Charles County | $541,287 | $832,750 | $320,800 |
| 99 | St. Clair County | $541,287 | $832,750 | $157,100 |
| 100 | St. Francois County | $541,287 | $832,750 | $169,300 |
| 101 | St. Louis County | $541,287 | $832,750 | $276,800 |
| 102 | St. Louis city | $541,287 | $832,750 | $197,500 |
| 103 | Ste. Genevieve County | $541,287 | $832,750 | $222,200 |
| 104 | Stoddard County | $541,287 | $832,750 | $143,300 |
| 105 | Stone County | $541,287 | $832,750 | $249,000 |
| 106 | Sullivan County | $541,287 | $832,750 | $115,600 |
| 107 | Taney County | $541,287 | $832,750 | $218,800 |
| 108 | Texas County | $541,287 | $832,750 | $146,700 |
| 109 | Vernon County | $541,287 | $832,750 | $158,800 |
| 110 | Warren County | $541,287 | $832,750 | $260,400 |
| 111 | Washington County | $541,287 | $832,750 | $129,400 |
| 112 | Wayne County | $541,287 | $832,750 | $107,400 |
| 113 | Webster County | $541,287 | $832,750 | $228,800 |
| 114 | Worth County | $541,287 | $832,750 | $96,600 |
| 115 | Wright County | $541,287 | $832,750 | $160,100 |
About Missouri's Mortgage Market
Missouri has 115 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Missouri range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Missouri-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Missouri?
The highest 2026 FHA limit in Missouri is $541,287 for a single-family home.
What is the maximum conforming loan limit in Missouri?
The highest 2026 conforming loan limit in Missouri is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Missouri?
Missouri has 115 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.