St. Louis City, MO Mortgage Calculator
Estimate your monthly mortgage payment in St. Louis City with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,121
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $120,000
LTV: 0.01%
P&I Payment
$794
Total Interest
$165,962
over loan life
Payoff
30 yr
Closing Costs
$2,588–$4,830
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $794 | $99 | $695 | $119,901 | $695 |
| 2 | $794 | $100 | $694 | $119,801 | $1,389 |
| 3 | $794 | $100 | $694 | $119,700 | $2,083 |
| 4 | $794 | $101 | $693 | $119,599 | $2,777 |
| 5 | $794 | $102 | $693 | $119,498 | $3,469 |
| 6 | $794 | $102 | $692 | $119,395 | $4,161 |
| 7 | $794 | $103 | $692 | $119,292 | $4,853 |
| 8 | $794 | $103 | $691 | $119,189 | $5,544 |
| 9 | $794 | $104 | $690 | $119,085 | $6,234 |
| 10 | $794 | $105 | $690 | $118,980 | $6,924 |
| 11 | $794 | $105 | $689 | $118,875 | $7,613 |
| 12 | $794 | $106 | $688 | $118,769 | $8,301 |
Months 1–12 of 360
2025 Loan Limits — St. Louis City, MO
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — St. Louis City Mortgage
What is the property tax rate in St. Louis City?
The effective property tax rate in St. Louis City is approximately 1.45%. This means a home worth $150,000 would have an estimated annual tax bill of about $2,175.
What is the 2025 FHA loan limit in St. Louis City?
The 2025 FHA loan limit for a single-family home in St. Louis City, MO is $524,225.
What is the conforming loan limit in St. Louis City?
The 2025 conforming loan limit in St. Louis City is $806,500. Loans above this amount are considered jumbo loans.