2026 FHA Loan Limits in Missouri

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FHA loans are offered through private lenders, but are backed by the Federal Housing Administration and come with benefits like low down payment requirements, low closing costs and easy credit qualification. These loans can also be used for properties with up to four units, which makes them useful for multifamily housing set-ups or various house hacking strategies.

However, FHA loan limits set a cap on the funding borrowers can access in each state. In Missouri, FHA loan limits for 2026 are the same in all 115 counties and range from $541,287 for single-family homes to $1,041,125 for homes with four units.

Missouri FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ADAIR COUNTY	$541,287	$693,050	$837,700	$1,041,125	$190,000
ANDREW COUNTY	$541,287	$693,050	$837,700	$1,041,125	$274,000
ATCHISON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$132,000
AUDRAIN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$167,000
BARRY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$206,000
BARTON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$144,000
BATES COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
BENTON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$299,000
BOLLINGER COUNT	$541,287	$693,050	$837,700	$1,041,125	$231,000
BOONE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$312,000
BUCHANAN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$274,000
BUTLER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$165,000
CALDWELL COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
CALLAWAY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$287,000
CAMDEN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$389,000
CAPE GIRARDEAU COUNTY	$541,287	$693,050	$837,700	$1,041,125	$231,000
CARROLL COUNTY	$541,287	$693,050	$837,700	$1,041,125	$153,000
CARTER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$201,000
CASS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
CEDAR COUNTY	$541,287	$693,050	$837,700	$1,041,125	$188,000
CHARITON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$156,000
CHRISTIAN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$309,000
CLARK COUNTY	$541,287	$693,050	$837,700	$1,041,125	$106,000
CLAY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
CLINTON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
COLE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$287,000
COOPER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$312,000
CRAWFORD COUNTY	$541,287	$693,050	$837,700	$1,041,125	$194,000
DADE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$218,000
DALLAS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$309,000
DAVIESS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$174,000
DEKALB COUNTY	$541,287	$693,050	$837,700	$1,041,125	$274,000
DENT COUNTY	$541,287	$693,050	$837,700	$1,041,125	$207,000
DOUGLAS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$182,000
DUNKLIN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$130,000
FRANKLIN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$370,000
GASCONADE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$207,000
GENTRY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$140,000
GREENE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$309,000
GRUNDY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$148,000
HARRISON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$86,000
HENRY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$179,000
HICKORY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$160,000
HOLT COUNTY	$541,287	$693,050	$837,700	$1,041,125	$170,000
HOWARD COUNTY	$541,287	$693,050	$837,700	$1,041,125	$312,000
HOWELL COUNTY	$541,287	$693,050	$837,700	$1,041,125	$204,000
IRON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$164,000
JACKSON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
JASPER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$214,000
JEFFERSON COUNT	$541,287	$693,050	$837,700	$1,041,125	$370,000
JOHNSON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$263,000
KNOX COUNTY	$541,287	$693,050	$837,700	$1,041,125	$135,000
LACLEDE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$200,000
LAFAYETTE COUNT	$541,287	$693,050	$837,700	$1,041,125	$454,000
LAWRENCE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$199,000
LEWIS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$159,000
LINCOLN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$370,000
LINN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$139,000
LIVINGSTON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$171,000
MACON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$170,000
MADISON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$164,000
MARIES COUNTY	$541,287	$693,050	$837,700	$1,041,125	$207,000
MARION COUNTY	$541,287	$693,050	$837,700	$1,041,125	$191,000
MCDONALD COUNTY	$541,287	$693,050	$837,700	$1,041,125	$220,000
MERCER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$132,000
MILLER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$235,000
MISSISSIPPI COUNTY	$541,287	$693,050	$837,700	$1,041,125	$162,000
MONITEAU COUNTY	$541,287	$693,050	$837,700	$1,041,125	$287,000
MONROE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$176,000
MONTGOMERY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$228,000
MORGAN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$259,000
NEW MADRID COUNTY	$541,287	$693,050	$837,700	$1,041,125	$136,000
NEWTON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$214,000
NODAWAY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$229,000
OREGON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$163,000
OSAGE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$287,000
OZARK COUNTY	$541,287	$693,050	$837,700	$1,041,125	$186,000
PEMISCOT COUNTY	$541,287	$693,050	$837,700	$1,041,125	$119,000
PERRY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$226,000
PETTIS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$199,000
PHELPS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$225,000
PIKE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$189,000
PLATTE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
POLK COUNTY	$541,287	$693,050	$837,700	$1,041,125	$309,000
PULASKI COUNTY	$541,287	$693,050	$837,700	$1,041,125	$236,000
PUTNAM COUNTY	$541,287	$693,050	$837,700	$1,041,125	$155,000
RALLS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$191,000
RANDOLPH COUNTY	$541,287	$693,050	$837,700	$1,041,125	$180,000
RAY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$454,000
REYNOLDS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$142,000
RIPLEY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$143,000
SALINE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$164,000
SCHUYLER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$190,000
SCOTLAND COUNTY	$541,287	$693,050	$837,700	$1,041,125	$196,000
SCOTT COUNTY	$541,287	$693,050	$837,700	$1,041,125	$162,000
SHANNON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$188,000
SHELBY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$135,000
ST. CHARLES COUNTY	$541,287	$693,050	$837,700	$1,041,125	$370,000
ST. CLAIR COUNTY	$541,287	$693,050	$837,700	$1,041,125	$158,000
ST. FRANCOIS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$204,000
ST. LOUIS CITY	$541,287	$693,050	$837,700	$1,041,125	$370,000
ST. LOUIS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$370,000
STE. GENEVIEVE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$225,000
STODDARD COUNTY	$541,287	$693,050	$837,700	$1,041,125	$161,000
STONE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$285,000
SULLIVAN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$135,000
TANEY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$238,000
TEXAS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$134,000
VERNON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$132,000
WARREN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$370,000
WASHINGTON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$164,000
WAYNE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$137,000
WEBSTER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$309,000
WORTH COUNTY	$541,287	$693,050	$837,700	$1,041,125	$131,000
WRIGHT COUNTY	$541,287	$693,050	$837,700	$1,041,125	$193,000

How are FHA loan limits determined?

FHA loan limits are adjusted each year to reflect the current price of housing in various regions of the country. The adjustments use a formula prescribed by the National Housing Act (NHA), which bases them on a percentage of national conforming loan limits set by the Federal Housing Finance Agency (FHFA) for conventional mortgages owned by Fannie Mae and Freddie Mac.

Areas with more expensive housing costs end up with FHA loan limits that are higher than average, or at the “ceiling” for these loans. Meanwhile, areas of the country with lower housing costs use the FHA loan limit “floor.”

FHA loan limits for single-family homes in 2026 range from $541,287 to $1,249,125 across the country. That said, Alaska, Hawaii, Guam and the U.S. Virgin Islands have even higher limits due to the higher cost of construction and other factors.

How to qualify for an FHA loan in Missouri

The first step to qualifying for an FHA loan in Missouri is finding a home that costs less than FHA loan limits. Fortunately, the counties in Missouri with the highest median sales price in 2026 topped out at $454,000.

Other than loan limits, there are down payment and credit score requirements to getting an FHA loan in Missouri. There are also differences in the way FHA mortgage insurance is charged compared to private mortgage insurance (PMI) on conventional home loans.

Read over these FHA loan requirements before you apply for an FHA loan in Missouri.

Maximum debt-to-income (DTI) ratio of 43%: FHA lenders prefer to see a debt-to-income ratio for borrowers that’s below 43%. This means your monthly debt obligations make up no more than 43% of your gross monthly income.
Minimum down payment of 3.5%: FHA loans let borrowers with credit scores of 580 or above put down as little as 3.5% of the purchase price when purchasing a home, but borrowers with credit scores between 500 and 579 need to put down at least 10%.
Minimum credit score of 500: Borrowers with a credit score as low as 500 can qualify for a FHA loan with at least 10% down, whereas those with credit scores of 580 or above can apply with a down payment of at least 3.5%.
FHA appraisal: A FHA appraisal estimates a home’s market value while verifying it meets FHA safety requirements for occupancy.
FHA mortgage insurance: There are two types of FHA mortgage insurance. An Upfront Mortgage Insurance Premium (UFMIP) must be paid upfront as part of the closing costs on a home, and an Annual Mortgage Insurance Premium (MIP) is paid in installments, included in the home’s monthly mortgage payment.
Loan limits: As previously mentioned, FHA loan limits in Missouri range from $541,287 for single-family homes to $1,041,12 for properties with four units.
Occupancy: Borrowers who take out an FHA loan must agree to live in the home as their primary residence for at least one year.

Buying a multifamily property with an FHA loan

Missouri homebuyers can use FHA loans to purchase a property with up to four units, provided they plan to live in one of the units as a primary residence for at least one year. This makes FHA loans useful for a variety of house hacking strategies that help homeowners keep their own housing costs down.

For example, a homebuyer could use an FHA loan to purchase a duplex, live in one unit and rent out the other side of the property to have some of their own housing costs covered. The same strategy applies to a triplex or four-unit home as well.

Missouri residents could even purchase a multi-family unit, live in one unit for at least one year, then rent out all of the units at some point. This strategy could help them build wealth through real estate, provided they had somewhere else to live.

Basic requirements for FHA loans still apply for multifamily properties. These include:

Making a 3.5% down payment with a credit score of 580 or above, or 10% down payment with a credit score of 500 to 579.
Having a 43% debt-to-income ratio or below.
Paying the required FHA mortgage insurance.
Living in the home as a primary residence for one year.
Borrowing within FHA loan limits.

The chart below shows where the 2026 FHA loan limits in Missouri fall for properties with two to four units: loan limits in Missouri fall for properties with two to four units:

Number of units	Low-cost FHA loan limit
Two	$693,050
Three	$837,700
Four	$1,041,125

FHA lenders in Missouri

Lender	LendingTree rating	Min. FHA credit score
	5/5 Read Our Review	580	Get offers
	5/5 Read Our Review	580	Get offers
	5/5 Read Our Review	580	Get offers
	4.5/5 Read Our Review	580	Get offers
	4.5/5 Read Our Review	580	Get offers

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Missouri FHA loan limits by county
How are FHA loan limits determined?
How to qualify for an FHA loan in Missouri
FHA lenders in Missouri