Home LoansFHA Loans

2019 FHA Loan Limits in Missouri

In 2019, the FHA loan limit for a single-family home in Missouri stands at $314,827 for most of the state. In the nine counties FHA considers higher-cost, there is a limit of $336,950.

If you’re considering an FHA loan, you’re far from alone. About one in four Missouri buyers who purchase their homes with a mortgage do so with an FHA loan, according to a 2016 FHA annual report. The data, which is the most recent available, stated that 16,446 of the 64,586 Missouri homes financed in 2015 were bought with FHA loans.

In 2018, FHA mortgages in Missouri accounted for approximately 2% of all FHA loans in the country, according to the FHA. Home prices in Missouri have increased when compared to prices a year ago, according to the National Association of Realtors.

The median price for an existing single-family home in the Springfield metro area during the third quarter of 2018 was $144,600. And in the Columbia area, it was $196,600. These prices represent an increase of 7.2 percent and 11.45 percent, respectively, when compared to the third quarter of 2017. Both are above the national average increase of 4.8 percent.

Fortunately, even with an uptick in home prices, the median home prices in Missouri fall within FHA loan limits.

Missouri FHA loan limits by county

FHA Loan Limits in Missouri
County Single-Family Limit Two-Family Limit Three-Family Limit Four-Family Limit Median Sale Price
Adair $314,827 $403,125 $487,250 $605,525 $122,000
Andrew $314,827 $403,125 $487,250 $605,525 $143,000
Atchison $314,827 $403,125 $487,250 $605,525 $89,000
Audrain $314,827 $403,125 $487,250 $605,525 $108,000
Barry $314,827 $403,125 $487,250 $605,525 $114,000
Barton $314,827 $403,125 $487,250 $605,525 $104,000
Bates $336,950 $431,350 $521,400 $648,000 $293,000
Benton $314,827 $403,125 $487,250 $605,525 $120,000
Bollinger $314,827 $403,125 $487,250 $605,525 $163,000
Boone $314,827 $403,125 $487,250 $605,525 $196,000
Buchanan $314,827 $403,125 $487,250 $605,525 $143,000
Butler $314,827 $403,125 $487,250 $605,525 $120,000
Caldwell $336,950 $431,350 $521,400 $648,000 $293,000
Callaway $314,827 $403,125 $487,250 $605,525 $163,000
Camden $314,827 $403,125 $487,250 $605,525 $187,000
Cape Girardeau $314,827 $403,125 $487,250 $605,525 $163,000
Carroll $314,827 $403,125 $487,250 $605,525 $87,000
Carter $314,827 $403,125 $487,250 $605,525 $104,000
Cass $336,950 $431,350 $521,400 $648,000 $293,000
Cedar $314,827 $403,125 $487,250 $605,525 $109,000
Chariton $314,827 $403,125 $487,250 $605,525 $92,000
Christian $314,827 $403,125 $487,250 $605,525 $184,000
Clark $314,827 $403,125 $487,250 $605,525 $94,000
Clay $336,950 $431,350 $521,400 $648,000 $293,000
Clinton $336,950 $431,350 $521,400 $648,000 $293,000
Cole $314,827 $403,125 $487,250 $605,525 $163,000
Cooper $314,827 $403,125 $487,250 $605,525 $131,000
Crawford $314,827 $403,125 $487,250 $605,525 $120,000
Dade $314,827 $403,125 $487,250 $605,525 $88,000
Dallas $314,827 $403,125 $487,250 $605,525 $184,000
Daviess $314,827 $403,125 $487,250 $605,525 $107,000
Dekalb $314,827 $403,125 $487,250 $605,525 $143,000
Dent $314,827 $403,125 $487,250 $605,525 $109,000
Douglas $314,827 $403,125 $487,250 $605,525 $130,000
Dunklin $314,827 $403,125 $487,250 $605,525 $75,000
Franklin $314,827 $403,125 $487,250 $605,525 $236,000
Gasconade $314,827 $403,125 $487,250 $605,525 $125,000
Gentry $314,827 $403,125 $487,250 $605,525 $93,000
Greene $314,827 $403,125 $487,250 $605,525 $184,000
Grundy $314,827 $403,125 $487,250 $605,525 $91,000
Harrison $314,827 $403,125 $487,250 $605,525 $81,000
Henry $314,827 $403,125 $487,250 $605,525 $97,000
Hickory $314,827 $403,125 $487,250 $605,525 $98,000
Holt $314,827 $403,125 $487,250 $605,525 $98,000
Howard $314,827 $403,125 $487,250 $605,525 $117,000
Howell $314,827 $403,125 $487,250 $605,525 $123,000
Iron $314,827 $403,125 $487,250 $605,525 $89,000
Jackson $336,950 $431,350 $521,400 $648,000 $293,000
Jasper $314,827 $403,125 $487,250 $605,525 $125,000
Jefferson $314,827 $403,125 $487,250 $605,525 $236,000
Johnson $314,827 $403,125 $487,250 $605,525 $172,000
Knox $314,827 $403,125 $487,250 $605,525 $79,000
Laclede $314,827 $403,125 $487,250 $605,525 $115,000
Lafayette $336,950 $431,350 $521,400 $648,000 $293,000
Lawrence $314,827 $403,125 $487,250 $605,525 $124,000
Lewis $314,827 $403,125 $487,250 $605,525 $105,000
Lincoln $314,827 $403,125 $487,250 $605,525 $236,000
Linn $314,827 $403,125 $487,250 $605,525 $75,000
Livingston $314,827 $403,125 $487,250 $605,525 $105,000
Macon $314,827 $403,125 $487,250 $605,525 $98,000
Madison $314,827 $403,125 $487,250 $605,525 $96,000
Maries $314,827 $403,125 $487,250 $605,525 $129,000
Marion $314,827 $403,125 $487,250 $605,525 $131,000
Mcdonald $314,827 $403,125 $487,250 $605,525 $180,000
Mercer $314,827 $403,125 $487,250 $605,525 $90,000
Miller $314,827 $403,125 $487,250 $605,525 $132,000
Mississippi $314,827 $403,125 $487,250 $605,525 $83,000
Moniteau $314,827 $403,125 $487,250 $605,525 $163,000
Monroe $314,827 $403,125 $487,250 $605,525 $107,000
Montgomery $314,827 $403,125 $487,250 $605,525 $114,000
Morgan $314,827 $403,125 $487,250 $605,525 $152,000
New Madrid $314,827 $403,125 $487,250 $605,525 $116,000
Newton $314,827 $403,125 $487,250 $605,525 $125,000
Nodaway $314,827 $403,125 $487,250 $605,525 $133,000
Oregon $314,827 $403,125 $487,250 $605,525 $85,000
Osage $314,827 $403,125 $487,250 $605,525 $163,000
Ozark $314,827 $403,125 $487,250 $605,525 $89,000
Pemiscot $314,827 $403,125 $487,250 $605,525 $80,000
Perry $314,827 $403,125 $487,250 $605,525 $127,000
Pettis $314,827 $403,125 $487,250 $605,525 $119,000
Phelps $314,827 $403,125 $487,250 $605,525 $128,000
Pike $314,827 $403,125 $487,250 $605,525 $114,000
Platte $336,950 $431,350 $521,400 $648,000 $293,000
Polk $314,827 $403,125 $487,250 $605,525 $184,000
Pulaski $314,827 $403,125 $487,250 $605,525 $155,000
Putnam $314,827 $403,125 $487,250 $605,525 $95,000
Ralls $314,827 $403,125 $487,250 $605,525 $131,000
Randolph $314,827 $403,125 $487,250 $605,525 $97,000
Ray $336,950 $431,350 $521,400 $648,000 $293,000
Reynolds $314,827 $403,125 $487,250 $605,525 $77,000
Ripley $314,827 $403,125 $487,250 $605,525 $90,000
Saline $314,827 $403,125 $487,250 $605,525 $98,000
Schuyler $314,827 $403,125 $487,250 $605,525 $122,000
Scotland $314,827 $403,125 $487,250 $605,525 $84,000
Scott $314,827 $403,125 $487,250 $605,525 $124,000
Shannon $314,827 $403,125 $487,250 $605,525 $99,000
Shelby $314,827 $403,125 $487,250 $605,525 $80,000
St. Charles $314,827 $403,125 $487,250 $605,525 $236,000
St. Clair $314,827 $403,125 $487,250 $605,525 $94,000
St. Francois $314,827 $403,125 $487,250 $605,525 $116,000
St. Louis $314,827 $403,125 $487,250 $605,525 $236,000
St. Louis City $314,827 $403,125 $487,250 $605,525 $236,000
Ste. Genevieve $314,827 $403,125 $487,250 $605,525 $133,000
Stoddard $314,827 $403,125 $487,250 $605,525 $106,000
Stone $314,827 $403,125 $487,250 $605,525 $164,000
Sullivan $314,827 $403,125 $487,250 $605,525 $86,000
Taney $314,827 $403,125 $487,250 $605,525 $164,000
Texas $314,827 $403,125 $487,250 $605,525 $112,000
Vernon $314,827 $403,125 $487,250 $605,525 $102,000
Warren $314,827 $403,125 $487,250 $605,525 $236,000
Washington $314,827 $403,125 $487,250 $605,525 $88,000
Wayne $314,827 $403,125 $487,250 $605,525 $69,000
Webster $314,827 $403,125 $487,250 $605,525 $184,000
Worth $314,827 $403,125 $487,250 $605,525 $64,000
Wright $314,827 $403,125 $487,250 $605,525 $98,000

How are FHA loan limits determined?

Limits for FHA loans are assessed annually by the U.S. Department of Housing and Urban Development (HUD) and are based in part on the median home prices and guidelines in place for conforming loans — conventional loans that Fannie Mae and Freddie Mac insure.

HUD establishes what is known as a floor, the lowest limit — which applies to most of the country — and a ceiling, the highest limit, applicable in pricier counties.

For 2019, the basic standard mortgage limit (or the floor) for a single-family home is $314,827.

Here are the 2019 standard FHA limits for all property types:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

In high-cost counties across the nation, the limit for a single-family unit can be as high as $726,525, depending on median home prices in the area.

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Look up the FHA mortgage limits in your area.

Do you qualify for an FHA loan in Missouri?

The price of the home you are buying is just one factor that determines your eligibility for an FHA loan. Your down payment, credit history, credit score, income and other criteria will also be taken into consideration.

See all the qualification requirements, as well as additional relevant information, in our guide to FHA loans.

 

Compare FHA Loans for Free