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2025 FHA Loan Limits in Missouri

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FHA loans are backed by the Federal Housing Administration and come with benefits like low down payment requirements, low closing costs and easy credit qualification. These loans can also be used for properties with up to four units, which makes them useful for multifamily housing set-ups or various house hacking strategies.

However, FHA loan limits set a cap on the funding borrowers can access in each state. In Missouri, FHA loan limits are the same in all 115 counties and range from $524,225 for single-family homes to $1,008,300 for homes with four units.

Missouri FHA loan limits by county

Missouri single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
ADAIR	$524,225	$671,200	$811,275	$1,008,300	$187,000
ANDREW	$524,225	$671,200	$811,275	$1,008,300	$246,000
ATCHISON	$524,225	$671,200	$811,275	$1,008,300	$130,000
AUDRAIN	$524,225	$671,200	$811,275	$1,008,300	$144,000
BARRY	$524,225	$671,200	$811,275	$1,008,300	$188,000
BARTON	$524,225	$671,200	$811,275	$1,008,300	$129,000
BATES	$524,225	$671,200	$811,275	$1,008,300	$438,000
BENTON	$524,225	$671,200	$811,275	$1,008,300	$218,000
BOLLINGER	$524,225	$671,200	$811,275	$1,008,300	$218,000
BOONE	$524,225	$671,200	$811,275	$1,008,300	$300,000
BUCHANAN	$524,225	$671,200	$811,275	$1,008,300	$246,000
BUTLER	$524,225	$671,200	$811,275	$1,008,300	$155,000
CALDWELL	$524,225	$671,200	$811,275	$1,008,300	$438,000
CALLAWAY	$524,225	$671,200	$811,275	$1,008,300	$264,000
CAMDEN	$524,225	$671,200	$811,275	$1,008,300	$355,000
CAPE GIRARDEAU	$524,225	$671,200	$811,275	$1,008,300	$218,000
CARROLL	$524,225	$671,200	$811,275	$1,008,300	$149,000
CARTER	$524,225	$671,200	$811,275	$1,008,300	$174,000
CASS	$524,225	$671,200	$811,275	$1,008,300	$438,000
CEDAR	$524,225	$671,200	$811,275	$1,008,300	$160,000
CHARITON	$524,225	$671,200	$811,275	$1,008,300	$136,000
CHRISTIAN	$524,225	$671,200	$811,275	$1,008,300	$300,000
CLARK	$524,225	$671,200	$811,275	$1,008,300	$125,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$438,000
CLINTON	$524,225	$671,200	$811,275	$1,008,300	$438,000
COLE	$524,225	$671,200	$811,275	$1,008,300	$264,000
COOPER	$524,225	$671,200	$811,275	$1,008,300	$300,000
CRAWFORD	$524,225	$671,200	$811,275	$1,008,300	$174,000
DADE	$524,225	$671,200	$811,275	$1,008,300	$193,000
DALLAS	$524,225	$671,200	$811,275	$1,008,300	$300,000
DAVIESS	$524,225	$671,200	$811,275	$1,008,300	$225,000
DEKALB	$524,225	$671,200	$811,275	$1,008,300	$246,000
DENT	$524,225	$671,200	$811,275	$1,008,300	$173,000
DOUGLAS	$524,225	$671,200	$811,275	$1,008,300	$176,000
DUNKLIN	$524,225	$671,200	$811,275	$1,008,300	$131,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$362,000
GASCONADE	$524,225	$671,200	$811,275	$1,008,300	$165,000
GENTRY	$524,225	$671,200	$811,275	$1,008,300	$160,000
GREENE	$524,225	$671,200	$811,275	$1,008,300	$300,000
GRUNDY	$524,225	$671,200	$811,275	$1,008,300	$157,000
HARRISON	$524,225	$671,200	$811,275	$1,008,300	$266,000
HENRY	$524,225	$671,200	$811,275	$1,008,300	$216,000
HICKORY	$524,225	$671,200	$811,275	$1,008,300	$153,000
HOLT	$524,225	$671,200	$811,275	$1,008,300	$163,000
HOWARD	$524,225	$671,200	$811,275	$1,008,300	$300,000
HOWELL	$524,225	$671,200	$811,275	$1,008,300	$182,000
IRON	$524,225	$671,200	$811,275	$1,008,300	$166,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$438,000
JASPER	$524,225	$671,200	$811,275	$1,008,300	$202,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$362,000
JOHNSON	$524,225	$671,200	$811,275	$1,008,300	$259,000
KNOX	$524,225	$671,200	$811,275	$1,008,300	$125,000
LACLEDE	$524,225	$671,200	$811,275	$1,008,300	$197,000
LAFAYETTE	$524,225	$671,200	$811,275	$1,008,300	$438,000
LAWRENCE	$524,225	$671,200	$811,275	$1,008,300	$199,000
LEWIS	$524,225	$671,200	$811,275	$1,008,300	$154,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$362,000
LINN	$524,225	$671,200	$811,275	$1,008,300	$110,000
LIVINGSTON	$524,225	$671,200	$811,275	$1,008,300	$152,000
MACON	$524,225	$671,200	$811,275	$1,008,300	$157,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$143,000
MARIES	$524,225	$671,200	$811,275	$1,008,300	$182,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$203,000
MCDONALD	$524,225	$671,200	$811,275	$1,008,300	$195,000
MERCER	$524,225	$671,200	$811,275	$1,008,300	$138,000
MILLER	$524,225	$671,200	$811,275	$1,008,300	$223,000
MISSISSIPPI	$524,225	$671,200	$811,275	$1,008,300	$108,000
MONITEAU	$524,225	$671,200	$811,275	$1,008,300	$264,000
MONROE	$524,225	$671,200	$811,275	$1,008,300	$136,000
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300	$228,000
MORGAN	$524,225	$671,200	$811,275	$1,008,300	$238,000
NEW MADRID	$524,225	$671,200	$811,275	$1,008,300	$118,000
NEWTON	$524,225	$671,200	$811,275	$1,008,300	$202,000
NODAWAY	$524,225	$671,200	$811,275	$1,008,300	$221,000
OREGON	$524,225	$671,200	$811,275	$1,008,300	$253,000
OSAGE	$524,225	$671,200	$811,275	$1,008,300	$264,000
OZARK	$524,225	$671,200	$811,275	$1,008,300	$165,000
PEMISCOT	$524,225	$671,200	$811,275	$1,008,300	$112,000
PERRY	$524,225	$671,200	$811,275	$1,008,300	$197,000
PETTIS	$524,225	$671,200	$811,275	$1,008,300	$192,000
PHELPS	$524,225	$671,200	$811,275	$1,008,300	$203,000
PIKE	$524,225	$671,200	$811,275	$1,008,300	$165,000
PLATTE	$524,225	$671,200	$811,275	$1,008,300	$438,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$300,000
PULASKI	$524,225	$671,200	$811,275	$1,008,300	$227,000
PUTNAM	$524,225	$671,200	$811,275	$1,008,300	$140,000
RALLS	$524,225	$671,200	$811,275	$1,008,300	$203,000
RANDOLPH	$524,225	$671,200	$811,275	$1,008,300	$185,000
RAY	$524,225	$671,200	$811,275	$1,008,300	$438,000
REYNOLDS	$524,225	$671,200	$811,275	$1,008,300	$157,000
RIPLEY	$524,225	$671,200	$811,275	$1,008,300	$155,000
SALINE	$524,225	$671,200	$811,275	$1,008,300	$157,000
SCHUYLER	$524,225	$671,200	$811,275	$1,008,300	$187,000
SCOTLAND	$524,225	$671,200	$811,275	$1,008,300	$192,000
SCOTT	$524,225	$671,200	$811,275	$1,008,300	$163,000
SHANNON	$524,225	$671,200	$811,275	$1,008,300	$190,000
SHELBY	$524,225	$671,200	$811,275	$1,008,300	$123,000
ST. CHARLES	$524,225	$671,200	$811,275	$1,008,300	$362,000
ST. CLAIR	$524,225	$671,200	$811,275	$1,008,300	$150,000
ST. FRANCOIS	$524,225	$671,200	$811,275	$1,008,300	$194,000
ST. LOUIS	$524,225	$671,200	$811,275	$1,008,300	$362,000
ST. LOUIS CITY	$524,225	$671,200	$811,275	$1,008,300	$362,000
STE. GENEVIEVE	$524,225	$671,200	$811,275	$1,008,300	$193,000
STODDARD	$524,225	$671,200	$811,275	$1,008,300	$147,000
STONE	$524,225	$671,200	$811,275	$1,008,300	$260,000
SULLIVAN	$524,225	$671,200	$811,275	$1,008,300	$147,000
TANEY	$524,225	$671,200	$811,275	$1,008,300	$229,000
TEXAS	$524,225	$671,200	$811,275	$1,008,300	$170,000
VERNON	$524,225	$671,200	$811,275	$1,008,300	$180,000
WARREN	$524,225	$671,200	$811,275	$1,008,300	$362,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$158,000
WAYNE	$524,225	$671,200	$811,275	$1,008,300	$111,000
WEBSTER	$524,225	$671,200	$811,275	$1,008,300	$300,000
WORTH	$524,225	$671,200	$811,275	$1,008,300	$124,000
WRIGHT	$524,225	$671,200	$811,275	$1,008,300	$154,000

How are FHA loan limits determined?

FHA loan limits adjust each year to reflect the price of housing on a county-by-county basis throughout the United States. The limits are adjusted using a formula prescribed by the National Housing Act (NHA), which bases them on a percentage of national conforming loan limits set by the Federal Housing Finance Agency (FHFA) for conventional mortgages owned by Fannie Mae and Freddie Mac.

Areas with more expensive housing costs end up with FHA loan limits that are higher than average, or at the “ceiling” for these loans. Meanwhile, areas of the country with lower housing costs use the FHA loan limit “floor.”

FHA loan limits for single-family homes in 2025 range from $524,225 to $1,209,750 across the country. That said, Alaska, Hawaii, Guam and the U.S. Virgin Islands have an even higher limit of $1,814,625 in 2025 because of the higher cost of construction and other factors.

How to qualify for an FHA loan in Missouri

All counties in Missouri have FHA loan limits at the mortgage limit “floor,” and potential homebuyers in the state will also find housing that is relatively affordable. We base this statement on median housing prices in 2025, which come in well under FHA loan limits throughout Missouri. Counties in the state with the highest median sales price in 2025 topped out at $438,000, whereas many counties have median sales prices below $150,000.

There are other requirements to meet to get an FHA loan in Missouri beyond FHA loan limits, including down payment and credit score requirements to get approved. There are also differences in the way FHA mortgage insurance is charged compared to private mortgage insurance (PMI) on conventional home loans.

Read over these FHA loan requirements before you apply for a FHA loan in Missouri.

Maximum debt-to-income (DTI) ratio of 43%: FHA lenders prefer to see a debt-to-income ratio for borrowers that’s below 43%. This means your monthly debt obligations make up no more than 43% of your gross monthly income.
Minimum down payment of 3.5%: FHA loans let borrowers put down as little as 3.5% of the purchase price when purchasing a home, although those borrowers with credit scores between 500 and 579 need to put down at least 10%.
Minimum credit score of 500: Borrowers with a credit score as low as 500 can qualify for a FHA loan with at least 10% down, whereas those with credit scores of 580 or above can apply with a down payment of at least 3.5%.
FHA appraisal: A FHA appraisal estimates a home’s market value while verifying it meets FHA safety requirements for occupancy.
FHA mortgage insurance: FHA mortgage insurance must be paid upfront as part of the closing costs on a home, as well as on a monthly basis included in the home’s mortgage payment.
Loan limits: As previously mentioned, FHA loan limits in Missouri range from $524,225 for single family homes to $1,008,300 for properties with four units.
Occupancy: Borrowers who take out a FHA loan must agree to live in the home as their primary residence for at least one year.

Buying a multifamily property with an FHA loan

Homebuyers in Missouri can use FHA loans to purchase a property with up to four units provided they plan to live in one of the units as a primary residence for at least one year. This makes FHA loans useful for a variety of house hacking strategies, or financial plans that help homeowners keep their own housing costs down.

For example, a homebuyer could use an FHA loan to purchase a duplex, live in one unit and rent out the other side of the property to have some of their own housing costs covered. The same strategy applies for a triplex or four-unit home as well.

Basic requirements for a FHA loan still apply for multifamily properties. These include:

Making a 3.5% down payment with a credit score of 580 or above, or 10% down payment with a credit score of 500 to 579.
Having a 43% debt-to-income ratio or below.
Paying the required FHA mortgage insurance.
Living in the home as a primary residence for one year.
Borrowing within FHA loan limits.

The chart below shows 2025 FHA loan limits in Missouri fall for properties with two to four units: