The calculator below is pre-filled with St. Louis County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Missouri's statewide figures.
County data last updated 2026-08-28. FIPS 29189. Full source list on /methodology.
All-in cost first, always — pre-filled with St. Louis County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Missouri.
How much house can I afford in Missouri? →Missouri's constitution bans real estate transfer taxes outright, so the deed costs about $24 to record. Here's what closing on a $299,064 Missouri home really runs.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Missouri Housing Development Commission's primary 30-year fixed-rate first mortgage, funded by tax-exempt mortgage revenue bonds, for first-time homebuyers (or anyone who hasn't owned a home in the prior 3 years) and qualified veterans statewide. Offered as a Cash Assistance Loan (CAL, with down payment/closing cost assistance) or Non-Cash Assistance Loan (Non-CAL, lower rate, no assistance); subject to income and purchase-price limits.
Down payment and closing cost assistance paired with a First Place first mortgage: a forgivable second loan equal to 4% of the total mortgage amount, with no monthly payment. Fully forgiven if the borrower stays in the home 10 years (forgiveness begins at year 5, at 1/60th per month); repayable if the home is sold or refinanced sooner.