Missouri loan limits 2026 by county
In 2026, every one of the 115 counties in Missouri has the $832,750 baseline conforming loan limit for a one-unit home. Every Missouri county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
$832,750
Highest conforming limit, 1 unit (2026)
0 of 115
Counties above the $832,750 baseline
$541,287
Highest FHA limit, 1 unit (2026)
0 of 115
Counties above the $541,287 FHA floor
FHA and conforming loan limits for every Missouri county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adair County | $832,750 | $541,287 | Kirksville, MO |
| Andrew County | $832,750 | $541,287 | St. Joseph, MO-KS |
| Atchison County | $832,750 | $541,287 | Non-Metro |
| Audrain County | $832,750 | $541,287 | Mexico, MO |
| Barry County | $832,750 | $541,287 | Non-Metro |
| Barton County | $832,750 | $541,287 | Non-Metro |
| Bates County | $832,750 | $541,287 | Kansas City, MO-KS |
| Benton County | $832,750 | $541,287 | Non-Metro |
| Bollinger County | $832,750 | $541,287 | Cape Girardeau, MO-IL |
| Boone County | $832,750 | $541,287 | Columbia, MO |
| Buchanan County | $832,750 | $541,287 | St. Joseph, MO-KS |
| Butler County | $832,750 | $541,287 | Poplar Bluff, MO |
| Caldwell County | $832,750 | $541,287 | Kansas City, MO-KS |
| Callaway County | $832,750 | $541,287 | Jefferson City, MO |
| Camden County | $832,750 | $541,287 | Non-Metro |
| Cape Girardeau County | $832,750 | $541,287 | Cape Girardeau, MO-IL |
| Carroll County | $832,750 | $541,287 | Non-Metro |
| Carter County | $832,750 | $541,287 | Non-Metro |
| Cass County | $832,750 | $541,287 | Kansas City, MO-KS |
| Cedar County | $832,750 | $541,287 | Non-Metro |
| Chariton County | $832,750 | $541,287 | Non-Metro |
| Christian County | $832,750 | $541,287 | Springfield, MO |
| Clark County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Kansas City, MO-KS |
| Clinton County | $832,750 | $541,287 | Kansas City, MO-KS |
| Cole County | $832,750 | $541,287 | Jefferson City, MO |
| Cooper County | $832,750 | $541,287 | Columbia, MO |
| Crawford County | $832,750 | $541,287 | Non-Metro |
| Dade County | $832,750 | $541,287 | Non-Metro |
| Dallas County | $832,750 | $541,287 | Springfield, MO |
| Daviess County | $832,750 | $541,287 | Non-Metro |
| DeKalb County | $832,750 | $541,287 | St. Joseph, MO-KS |
| Dent County | $832,750 | $541,287 | Non-Metro |
| Douglas County | $832,750 | $541,287 | Non-Metro |
| Dunklin County | $832,750 | $541,287 | Kennett, MO |
| Franklin County | $832,750 | $541,287 | St. Louis, MO-IL |
| Gasconade County | $832,750 | $541,287 | Non-Metro |
| Gentry County | $832,750 | $541,287 | Non-Metro |
| Greene County | $832,750 | $541,287 | Springfield, MO |
| Grundy County | $832,750 | $541,287 | Non-Metro |
| Harrison County | $832,750 | $541,287 | Non-Metro |
| Henry County | $832,750 | $541,287 | Non-Metro |
| Hickory County | $832,750 | $541,287 | Non-Metro |
| Holt County | $832,750 | $541,287 | Non-Metro |
| Howard County | $832,750 | $541,287 | Columbia, MO |
| Howell County | $832,750 | $541,287 | West Plains, MO |
| Iron County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Kansas City, MO-KS |
| Jasper County | $832,750 | $541,287 | Joplin, MO-KS |
| Jefferson County | $832,750 | $541,287 | St. Louis, MO-IL |
| Johnson County | $832,750 | $541,287 | Warrensburg, MO |
| Knox County | $832,750 | $541,287 | Non-Metro |
| Laclede County | $832,750 | $541,287 | Lebanon, MO |
| Lafayette County | $832,750 | $541,287 | Kansas City, MO-KS |
| Lawrence County | $832,750 | $541,287 | Non-Metro |
| Lewis County | $832,750 | $541,287 | Quincy, IL-MO |
| Lincoln County | $832,750 | $541,287 | St. Louis, MO-IL |
| Linn County | $832,750 | $541,287 | Non-Metro |
| Livingston County | $832,750 | $541,287 | Non-Metro |
| Macon County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $541,287 | Non-Metro |
| Maries County | $832,750 | $541,287 | Non-Metro |
| Marion County | $832,750 | $541,287 | Hannibal, MO |
| McDonald County | $832,750 | $541,287 | Non-Metro |
| Mercer County | $832,750 | $541,287 | Non-Metro |
| Miller County | $832,750 | $541,287 | Non-Metro |
| Mississippi County | $832,750 | $541,287 | Sikeston, MO |
| Moniteau County | $832,750 | $541,287 | Jefferson City, MO |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Non-Metro |
| Morgan County | $832,750 | $541,287 | Non-Metro |
| New Madrid County | $832,750 | $541,287 | Non-Metro |
| Newton County | $832,750 | $541,287 | Joplin, MO-KS |
| Nodaway County | $832,750 | $541,287 | Maryville, MO |
| Oregon County | $832,750 | $541,287 | Non-Metro |
| Osage County | $832,750 | $541,287 | Jefferson City, MO |
| Ozark County | $832,750 | $541,287 | Non-Metro |
| Pemiscot County | $832,750 | $541,287 | Non-Metro |
| Perry County | $832,750 | $541,287 | Non-Metro |
| Pettis County | $832,750 | $541,287 | Sedalia, MO |
| Phelps County | $832,750 | $541,287 | Rolla, MO |
| Pike County | $832,750 | $541,287 | Non-Metro |
| Platte County | $832,750 | $541,287 | Kansas City, MO-KS |
| Polk County | $832,750 | $541,287 | Springfield, MO |
| Pulaski County | $832,750 | $541,287 | Fort Leonard Wood, MO |
| Putnam County | $832,750 | $541,287 | Non-Metro |
| Ralls County | $832,750 | $541,287 | Hannibal, MO |
| Randolph County | $832,750 | $541,287 | Moberly, MO |
| Ray County | $832,750 | $541,287 | Kansas City, MO-KS |
| Reynolds County | $832,750 | $541,287 | Non-Metro |
| Ripley County | $832,750 | $541,287 | Non-Metro |
| Saline County | $832,750 | $541,287 | Marshall, MO |
| Schuyler County | $832,750 | $541,287 | Kirksville, MO |
| Scotland County | $832,750 | $541,287 | Non-Metro |
| Scott County | $832,750 | $541,287 | Sikeston, MO |
| Shannon County | $832,750 | $541,287 | Non-Metro |
| Shelby County | $832,750 | $541,287 | Non-Metro |
| St. Charles County | $832,750 | $541,287 | St. Louis, MO-IL |
| St. Clair County | $832,750 | $541,287 | Non-Metro |
| St. Francois County | $832,750 | $541,287 | Farmington, MO |
| St. Louis County | $832,750 | $541,287 | St. Louis, MO-IL |
| St. Louis city | $832,750 | $541,287 | St. Louis, MO-IL |
| Ste. Genevieve County | $832,750 | $541,287 | Non-Metro |
| Stoddard County | $832,750 | $541,287 | Non-Metro |
| Stone County | $832,750 | $541,287 | Non-Metro |
| Sullivan County | $832,750 | $541,287 | Non-Metro |
| Taney County | $832,750 | $541,287 | Branson, MO |
| Texas County | $832,750 | $541,287 | Non-Metro |
| Vernon County | $832,750 | $541,287 | Non-Metro |
| Warren County | $832,750 | $541,287 | St. Louis, MO-IL |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| Webster County | $832,750 | $541,287 | Springfield, MO |
| Worth County | $832,750 | $541,287 | Non-Metro |
| Wright County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Missouri
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Missouri fair market rentsHUD Fair Market Rents for every Missouri county, studios to 4 bedrooms.
- Missouri property tax ratesEffective property tax rate for every Missouri county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Missouri loan limits
What are the FHA loan limits in Missouri for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Missouri for 2026?
$832,750 for a one-unit home in every Missouri county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Missouri?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Missouri for 2026: 25 percent of that limit minus the entitlement already used.
Which Missouri counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adair County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Arkansas loan limitsIllinois loan limitsIowa loan limitsKansas loan limitsKentucky loan limitsNebraska loan limitsOklahoma loan limitsTennessee loan limits
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/missouri. Not lending advice.