St. Louis County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for St. Louis County, Missouri based on real HMDA transaction records.

Loan Details

US County (Smart Autofill)

Loan Type

St. Louis County, MO Benchmarks

FHA averages

Typical Property Value$244,087

Average Down Payment11.2%

Average Interest Rate6.411%

Effective Tax Rate1.14%

Median Tax Paid$3,335/yr

Tax Growth (Historical)+1.3%

Based on 3,091 regional loans totaling $653,705,000 (HMDA database).

Home Price

Down Payment

$27,338 down · $216,749 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$232 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$92 / month

Estimated Monthly Payment

$1,855/mo

Principal & Interest$1,381
Property Tax$232
Home Insurance$150
FHA MIP$92

Amortization · Remaining Balance

Financed Loan Amount

$220,542

Total Interest

$276,600

Total of Payments

$497,142

*Includes financed FHA Upfront MIP of $3,793

Local Market Insights

St. Louis County FHA Mortgage Overview

St. Louis County FHA buyers put down an average of 11.19%, a lower barrier than conventional loans. With an 88.81% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, making this ideal for credit scores below 620. The 1.14% effective property tax rate, adjusted upward by 1.3% for inflation, adds roughly $232 monthly to a $244,087 home. This data reflects 100% owner-occupied purchases, so investors should note MIP is permanent here. For a precise monthly estimate including MIP and taxes in St. Louis County, MO, review your specific loan limits.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.