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? →Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
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.
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.