What are the loan limits in each Missouri county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adair County | $832,750 | $541,287 | $693,050 | $159,500 |
| Andrew County | $832,750 | $541,287 | $693,050 | $196,200 |
| Atchison County | $832,750 | $541,287 | $693,050 | $100,600 |
| Audrain County | $832,750 | $541,287 | $693,050 | $121,600 |
| Barry County | $832,750 | $541,287 | $693,050 | $172,900 |
| Barton County | $832,750 | $541,287 | $693,050 | $136,000 |
| Bates County | $832,750 | $541,287 | $693,050 | $154,800 |
| Benton County | $832,750 | $541,287 | $693,050 | $164,700 |
| Bollinger County | $832,750 | $541,287 | $693,050 | $142,400 |
| Boone County | $832,750 | $541,287 | $693,050 | $254,100 |
| Buchanan County | $832,750 | $541,287 | $693,050 | $156,600 |
| Butler County | $832,750 | $541,287 | $693,050 | $138,800 |
| Caldwell County | $832,750 | $541,287 | $693,050 | $156,700 |
| Callaway County | $832,750 | $541,287 | $693,050 | $196,200 |
| Camden County | $832,750 | $541,287 | $693,050 | $270,700 |
| Cape Girardeau County | $832,750 | $541,287 | $693,050 | $208,300 |
| Carroll County | $832,750 | $541,287 | $693,050 | $110,500 |
| Carter County | $832,750 | $541,287 | $693,050 | $147,600 |
| Cass County | $832,750 | $541,287 | $693,050 | $269,000 |
| Cedar County | $832,750 | $541,287 | $693,050 | $162,500 |
| Chariton County | $832,750 | $541,287 | $693,050 | $118,900 |
| Christian County | $832,750 | $541,287 | $693,050 | $249,700 |
| Clark County | $832,750 | $541,287 | $693,050 | $117,600 |
| Clay County | $832,750 | $541,287 | $693,050 | $256,400 |
| Clinton County | $832,750 | $541,287 | $693,050 | $204,300 |
| Cole County | $832,750 | $541,287 | $693,050 | $214,400 |
| Cooper County | $832,750 | $541,287 | $693,050 | $197,100 |
| Crawford County | $832,750 | $541,287 | $693,050 | $166,000 |
| Dade County | $832,750 | $541,287 | $693,050 | $157,200 |
| Dallas County | $832,750 | $541,287 | $693,050 | $151,200 |
| Daviess County | $832,750 | $541,287 | $693,050 | $149,200 |
| DeKalb County | $832,750 | $541,287 | $693,050 | $167,500 |
| Dent County | $832,750 | $541,287 | $693,050 | $149,700 |
| Douglas County | $832,750 | $541,287 | $693,050 | $164,400 |
| Dunklin County | $832,750 | $541,287 | $693,050 | $93,800 |
| Franklin County | $832,750 | $541,287 | $693,050 | $214,900 |
| Gasconade County | $832,750 | $541,287 | $693,050 | $168,900 |
| Gentry County | $832,750 | $541,287 | $693,050 | $123,000 |
| Greene County | $832,750 | $541,287 | $693,050 | $203,500 |
| Grundy County | $832,750 | $541,287 | $693,050 | $107,000 |
| Harrison County | $832,750 | $541,287 | $693,050 | $107,400 |
| Henry County | $832,750 | $541,287 | $693,050 | $153,500 |
| Hickory County | $832,750 | $541,287 | $693,050 | $123,200 |
| Holt County | $832,750 | $541,287 | $693,050 | $122,300 |
| Howard County | $832,750 | $541,287 | $693,050 | $145,300 |
| Howell County | $832,750 | $541,287 | $693,050 | $161,000 |
| Iron County | $832,750 | $541,287 | $693,050 | $113,000 |
| Jackson County | $832,750 | $541,287 | $693,050 | $213,300 |
| Jasper County | $832,750 | $541,287 | $693,050 | $158,500 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $218,800 |
| Johnson County | $832,750 | $541,287 | $693,050 | $221,400 |
| Knox County | $832,750 | $541,287 | $693,050 | $97,200 |
| Laclede County | $832,750 | $541,287 | $693,050 | $158,000 |
| Lafayette County | $832,750 | $541,287 | $693,050 | $200,300 |
| Lawrence County | $832,750 | $541,287 | $693,050 | $159,800 |
| Lewis County | $832,750 | $541,287 | $693,050 | $118,900 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $224,800 |
| Linn County | $832,750 | $541,287 | $693,050 | $117,300 |
| Livingston County | $832,750 | $541,287 | $693,050 | $138,300 |
| Macon County | $832,750 | $541,287 | $693,050 | $127,000 |
| Madison County | $832,750 | $541,287 | $693,050 | $155,900 |
| Maries County | $832,750 | $541,287 | $693,050 | $193,100 |
| Marion County | $832,750 | $541,287 | $693,050 | $158,100 |
| McDonald County | $832,750 | $541,287 | $693,050 | $134,100 |
| Mercer County | $832,750 | $541,287 | $693,050 | $95,300 |
| Miller County | $832,750 | $541,287 | $693,050 | $169,800 |
| Mississippi County | $832,750 | $541,287 | $693,050 | $100,300 |
| Moniteau County | $832,750 | $541,287 | $693,050 | $168,300 |
| Monroe County | $832,750 | $541,287 | $693,050 | $147,400 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $171,300 |
| Morgan County | $832,750 | $541,287 | $693,050 | $180,400 |
| New Madrid County | $832,750 | $541,287 | $693,050 | $105,500 |
| Newton County | $832,750 | $541,287 | $693,050 | $175,300 |
| Nodaway County | $832,750 | $541,287 | $693,050 | $165,100 |
| Oregon County | $832,750 | $541,287 | $693,050 | $117,700 |
| Osage County | $832,750 | $541,287 | $693,050 | $205,700 |
| Ozark County | $832,750 | $541,287 | $693,050 | $156,400 |
| Pemiscot County | $832,750 | $541,287 | $693,050 | $95,900 |
| Perry County | $832,750 | $541,287 | $693,050 | $189,400 |
| Pettis County | $832,750 | $541,287 | $693,050 | $161,500 |
| Phelps County | $832,750 | $541,287 | $693,050 | $194,900 |
| Pike County | $832,750 | $541,287 | $693,050 | $129,400 |
| Platte County | $832,750 | $541,287 | $693,050 | $317,600 |
| Polk County | $832,750 | $541,287 | $693,050 | $189,600 |
| Pulaski County | $832,750 | $541,287 | $693,050 | $189,700 |
| Putnam County | $832,750 | $541,287 | $693,050 | $111,600 |
| Ralls County | $832,750 | $541,287 | $693,050 | $153,400 |
| Randolph County | $832,750 | $541,287 | $693,050 | $141,900 |
| Ray County | $832,750 | $541,287 | $693,050 | $187,400 |
| Reynolds County | $832,750 | $541,287 | $693,050 | $119,900 |
| Ripley County | $832,750 | $541,287 | $693,050 | $110,800 |
| Saline County | $832,750 | $541,287 | $693,050 | $139,600 |
| Schuyler County | $832,750 | $541,287 | $693,050 | $118,200 |
| Scotland County | $832,750 | $541,287 | $693,050 | $141,100 |
| Scott County | $832,750 | $541,287 | $693,050 | $143,700 |
| Shannon County | $832,750 | $541,287 | $693,050 | $151,000 |
| Shelby County | $832,750 | $541,287 | $693,050 | $86,200 |
| St. Charles County | $832,750 | $541,287 | $693,050 | $296,800 |
| St. Clair County | $832,750 | $541,287 | $693,050 | $142,500 |
| St. Francois County | $832,750 | $541,287 | $693,050 | $155,100 |
| St. Louis city | $832,750 | $541,287 | $693,050 | $185,100 |
| St. Louis County | $832,750 | $541,287 | $693,050 | $260,700 |
| Ste. Genevieve County | $832,750 | $541,287 | $693,050 | $215,600 |
| Stoddard County | $832,750 | $541,287 | $693,050 | $135,400 |
| Stone County | $832,750 | $541,287 | $693,050 | $236,500 |
| Sullivan County | $832,750 | $541,287 | $693,050 | $103,300 |
| Taney County | $832,750 | $541,287 | $693,050 | $203,800 |
| Texas County | $832,750 | $541,287 | $693,050 | $123,300 |
| Vernon County | $832,750 | $541,287 | $693,050 | $136,700 |
| Warren County | $832,750 | $541,287 | $693,050 | $241,200 |
| Washington County | $832,750 | $541,287 | $693,050 | $118,400 |
| Wayne County | $832,750 | $541,287 | $693,050 | $113,100 |
| Webster County | $832,750 | $541,287 | $693,050 | $219,100 |
| Worth County | $832,750 | $541,287 | $693,050 | $94,600 |
| Wright County | $832,750 | $541,287 | $693,050 | $152,300 |
Which Missouri counties are high-cost areas?
No Missouri county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Missouri
Frequently asked questions
FHA one-unit limits in Missouri start at $541,287. In St. Louis County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in St. Louis County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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