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Missouri Mortgage Calculator

Calculate your Missouri mortgage payment with state-specific property tax rates (0.97% average), income tax (2% - 4.8%), and 2026 conforming loan limits.

Missouri-Specific Inputs

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Missouri Property Tax

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MO average: 0.97%

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Other costs

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Missouri Mortgage Overview

Missouri has moderate property taxes and a progressive income tax.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

Expensive housing markets may see limits up to $1,209,750.

Missouri Income Tax Rates (2026)

Missouri has a state income tax with rates of 2% - 4.8%.

Run the paycheck calculator for net pay.

Missouri Property Tax

The average effective property tax rate in Missouri is 0.97%. Your county assessor can confirm the rate for your address.

First-Time Homebuyer Programs

Missouri Housing Development Commission offers down payment assistance and favorable loan terms for qualifying first-time buyers in Missouri.

Latest info is on their site.

Missouri Mortgage FAQ

What is the average property tax rate in Missouri?

Verify with your tax office.

What is the income tax in Missouri?

Run the paycheck calculator for net pay.

What are Missouri's conforming loan limits for 2026?

Larger loans are jumbo.

Are there first-time homebuyer programs in Missouri?

Latest info is on their site.

How much do I need for a down payment in Missouri?

3% down gets you a conventional loan. FHA is 3.5%. VA/USDA is 0%.

Related resources

National Mortgage Calculator → MO Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →