FHA Loan Rates in Missouri (MO) + Mortgage Calculator 2026
Estimate your monthly mortgage payment in Missouri with local property tax rates pre-filled. Missouri offers affordable housing in most markets with moderate taxes, making it a strong value for homebuyers.
Calculate your Missouri payment →Avg property tax rate
0.97%
annual
Median home price
$235K
Kansas City area
Avg home insurance
$155/mo
estimate
What a typical Missouri FHA payment looks like
At Missouri's median home price of $235,000 with the FHA minimum 3.5% down ($8,225), the upfront MIP of $3,969 is financed into the loan for a total of $230,744. At a 6.8% example rate over 30 years, the monthly payment breaks down like this:
| Principal & interest | $1,504/mo |
| Property tax (0.97% avg) | $190/mo |
| Home insurance (state avg) | $155/mo |
| FHA monthly MIP (0.55%) | $104/mo |
| Estimated total (PITI + MIP) | $1,953/mo |
Missouri's 0.97% average property tax rate is above the ~0.9% national average — about $14/mo more on the median Missouri home than a typical US buyer pays. Figures are estimates using state averages; your county's rate and your quoted interest rate will differ — run your own numbers in the calculator above.
How Missouri compares with similar-priced states
FHA Loan Rates in Missouri (MO) — 2026 Averages
FHA loan rates in Missouri follow national FHA benchmarks — your state has little effect on your rate. What moves the needle is your credit score, down payment, and the lender you choose. As of 2026, rates are approximately:
30-year fixed
6.8%
avg 2026
15-year fixed
6.2%
avg 2026
FHA 30-year
6.5%
avg 2026
VA 30-year
6.3%
avg 2026
Rates change daily and vary by lender, credit score, and loan-to-value. Use the calculator below to see how the rate affects your payment.
Estimated monthly payment
$2,799
Loan amount: $343,661 · 30-year FHA
Recommended gross income: $108,347/yr(31% DTI rule)
Payment breakdown
Amortization schedule
Loan amount
$343,661
Total interest
$462,887
Total paid
$806,548
Payoff
30y 0m
| Year | Principal | Interest | Balance |
|---|---|---|---|
| Year 1 | $3,628 | $23,257 | $340,033 |
| Year 2 | $3,882 | $23,003 | $336,151 |
| Year 3 | $4,155 | $22,730 | $331,996 |
| Year 4 | $4,446 | $22,439 | $327,550 |
| Year 5 | $4,758 | $22,127 | $322,792 |
| Year 6 | $5,092 | $21,793 | $317,700 |
| Year 7 | $5,449 | $21,436 | $312,251 |
| Year 8 | $5,831 | $21,054 | $306,420 |
| Year 9 | $6,240 | $20,644 | $300,179 |
| Year 10 | $6,678 | $20,207 | $293,501 |
| Year 11 | $7,147 | $19,738 | $286,354 |
| Year 12 | $7,648 | $19,237 | $278,706 |
| Year 13 | $8,185 | $18,700 | $270,521 |
| Year 14 | $8,759 | $18,126 | $261,762 |
| Year 15 | $9,374 | $17,511 | $252,388 |
| Year 16 | $10,031 | $16,854 | $242,357 |
| Year 17 | $10,735 | $16,150 | $231,622 |
| Year 18 | $11,488 | $15,397 | $220,134 |
| Year 19 | $12,294 | $14,591 | $207,839 |
| Year 20 | $13,157 | $13,728 | $194,682 |
| Year 21 | $14,080 | $12,805 | $180,602 |
| Year 22 | $15,068 | $11,817 | $165,534 |
| Year 23 | $16,125 | $10,760 | $149,409 |
| Year 24 | $17,256 | $9,629 | $132,153 |
| Year 25 | $18,467 | $8,418 | $113,686 |
| Year 26 | $19,763 | $7,122 | $93,923 |
| Year 27 | $21,149 | $5,736 | $72,774 |
| Year 28 | $22,633 | $4,252 | $50,141 |
| Year 29 | $24,221 | $2,664 | $25,920 |
| Year 30 | $25,920 | $965 | $0 |
Disclaimer: The results provided by this calculator are estimates for informational purposes only and do not constitute financial, legal, or tax advice. Actual loan terms, interest rates, monthly payments, and total costs will vary based on your credit profile, lender, and other factors. Property tax rates shown are state averages and may differ from your local rate. FHA mortgage insurance premiums (MIP) are based on current HUD guidelines and are subject to change. Always consult a licensed mortgage professional or financial advisor before making any borrowing decisions. HitCalc is not a lender and does not offer mortgage products.
Rates, tax averages, and program figures last verified July 2026 against published HUD, FHFA, and state sources.
Missouri mortgage FAQs
What is the property tax rate in Missouri?
The average effective property tax rate in Missouri is 0.97%. On a $235,000 home — the Missouri median — that works out to approximately $190/month added to your mortgage payment. Rates vary by county, so check your specific county assessor for a precise figure.
What is the median home price in Missouri?
The median home price in Missouri is approximately $235,000. Prices vary significantly by city and neighborhood — Kansas City and St. Louis tend to be the most active markets. Use the calculator above to estimate payments at different price points.
How much is homeowners insurance in Missouri?
The average homeowners insurance premium in Missouri is approximately $155/month ($1,860/year). Our calculator uses this as a default estimate. Actual premiums depend on your home's age, construction, location, and coverage level — always get multiple quotes before closing.
Can I get an FHA loan in Missouri?
Yes — FHA loans are available in all 50 states including Missouri. The 2026 FHA loan limit for most Missouri counties is $524,225 for a single-family home, with higher limits in high-cost areas. FHA loans require a minimum 3.5% down payment with a 580+ credit score.
What are the major cities to buy a home in Missouri?
The most active housing markets in Missouri include Kansas City, St. Louis, Springfield. Each market has different price points and property tax rates — use our calculator to compare monthly payments at your target price.
What are FHA loan rates in Missouri (MO)?
FHA loan rates in Missouri closely follow national FHA benchmarks — your state of residence has little impact on your rate. As of 2026, FHA 30-year rates average around 6.5%, conventional 30-year around 6.8%, 15-year fixed around 6.2%, and VA loans around 6.3%. Your actual rate depends on your credit score, down payment, and lender. Use the calculator above to see how a small rate change affects your monthly payment.