St. Louis, MO Mortgage Calculator
Estimate your monthly mortgage payment in St. Louis including property taxes, homeowners insurance, PMI, and 2025 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 Mortgage
What is the average mortgage payment in St. Louis?
Based on the median home value of $150,000 in St. Louis, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in St. Louis?
The 2025 FHA loan limit for St. Louis (St. Louis City) is $524,225.
What is the conforming loan limit in St. Louis?
The 2025 conforming loan limit for St. Louis is $806,500. Loans above this are considered jumbo.