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FHA loans in Excelsior Springs, MO

Quick answer

The 2026 FHA loan limit in Excelsior Springs, MO (Clay County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $174,000 median home value, that down payment is about $6,090 and the estimated payment is $1,494/month at 7.18%, which needs roughly $65,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $74,056; value-to-income ratio 2.35. Excelsior Springs ranks 56 by home value and 85 by population among 87 places in our MO dataset.

What does an FHA loan cost on a typical Excelsior Springs home?

ItemExcelsior Springs
Median home value (Census ACS)$174,000
Missouri median home value$215,600
Down payment (3.5%)$6,090
Loan incl. 1.75% upfront MIP$170,848
Estimated monthly payment (PITI + MI)$1,494
Income needed (28% / 36%)$65,000 / $50,000
Clay County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Missouri's 0.88% effective property tax rate (Census ACS), $1,589/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Excelsior Springs?

Excelsior Springs is in Clay County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Excelsior Springs median home value of $174,000 is 19% below the Missouri median, and within what the county limit supports.

Which down payment assistance programs can Excelsior Springs buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

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FHA loan FAQs for Excelsior Springs

Excelsior Springs is in Clay County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $174,000 is about $6,090 with a 580+ credit score (10%, or $17,400, with a 500–579 score), plus closing costs.

At the $174,000 median value (below the Missouri median of $215,600), the estimated payment of $1,494/month at 7.18% needs about $65,000 a year under the 28% housing guideline, or $50,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.