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Missouri Mortgage Calculator

Use this free Missouri mortgage calculator to estimate your monthly mortgage payments and annual amortization.

Loan details

%

Monthly payment

$2,140

at 7.05% · 30-year fixed

  • Principal & interest

    $1,605

  • Property taxes

    $375

  • Homeowners insurance

    $160

Loan amount

$240,000

Total interest paid

$337,726

Payoff date

—

YOU'RE KEEPING $5,826

$5,826

stays in your pocket

That's your total savings over 30 years at today's best rate on NerdWallet (7.05%) vs. the 7.15% national average — $16 less every month.

  • Today's best rate: 7.05%

  • Get your free rate with no credit impact

Get my rate

No impact to your credit score

Calculated payments and savings are estimates. The calculator result does not constitute an offer for a loan and will not solicit a loan offer. Savings will depend on the actual amounts and rate for which you are approved, should you choose to apply.

Getting a Mortgage in Missouri

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Last updated November 19, 2025
Missouri mortgage costs sit below national averages. For instance, the typical monthly mortgage payment for a median-priced home in St. Louis County was $1,770 in Q1 2025, based on a $301,896 home value, according to the National Association of Realtors. By comparison, the national median payment was $2,120 on a median-priced single-family home valued at $402,300.

Missouri mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate7.317%7.320%
20-year fixed-rate7.279%7.285%
15-year fixed-rate6.528%6.540%
10-year fixed-rate6.990%7.087%
7-year ARM7.667%7.333%
5-year ARM6.750%6.720%
30-year fixed-rate VA6.591%6.936%
Data source: ©Zillow, Inc. 2006 – 2026. Use is subject to the Terms of Use

Today's rate

7.320%

30-year fixed

Today's mortgage rates in Missouri are 7.320% for a 30-year fixed, 6.540% for a 15-year fixed, and 6.720% for a 5-year adjustable-rate mortgage (ARM).

Missouri's first-time home buyer programs

The Missouri Housing Development Commission, or MHDC, offers several loan programs to help qualified first-time home buyers get a mortgage.
» MORE: First-time home buyer programs by state

Average property tax by county

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Missouri. Because assessed values aren't frequently updated, you may pay a higher rate at first but eventually you'll pay a similar rate.

CountyAvg. property tax rateMedian home value
Adair County0.68%$146,700
Andrew County0.76%$175,300
Atchison County0.95%$96,100
Audrain County0.74%$112,300
Barry County0.50%$159,000
Barton County0.67%$115,600
Bates County0.63%$151,300
Benton County0.55%$154,700
Bollinger County0.57%$123,500
Boone County0.88%$267,400
Buchanan County0.82%$159,400
Butler County0.60%$132,600
Caldwell County0.70%$143,300
Callaway County0.72%$184,300
Camden County0.51%$248,700
Cape Girardeau County0.67%$205,300
Carroll County0.90%$105,500
Carter County0.51%$181,100
Cass County0.88%$285,800
Cedar County0.65%$152,700
Chariton County0.69%$121,000
Christian County0.73%$250,300
Clark County0.78%$124,600
Clay County1.13%$264,100
Clinton County0.74%$187,200
Cole County0.81%$212,500
Cooper County0.69%$168,200
Crawford County0.57%$156,500
Dade County0.61%$137,400
Dallas County0.50%$139,400
Daviess County0.69%$133,400
DeKalb County0.67%$160,300
Dent County0.41%$123,300
Douglas County0.44%$148,900
Dunklin County0.71%$93,300
Franklin County0.77%$220,700
Gasconade County0.57%$159,100
Gentry County0.81%$115,400
Greene County0.78%$219,500
Grundy County0.72%$111,300
Harrison County0.79%$95,900
Henry County0.66%$153,600
Hickory County0.50%$108,900
Holt County0.89%$115,500
Howard County0.50%$140,900
Howell County0.52%$141,600
Iron County0.46%$109,400
Jackson County1.14%$221,800
Jasper County0.71%$159,600
Jefferson County0.86%$219,800
Johnson County0.75%$206,600
Knox County0.76%$89,000
Laclede County0.63%$151,800
Lafayette County0.76%$187,000
Lawrence County0.58%$145,800
Lewis County0.72%$104,500
Lincoln County0.71%$206,800
Linn County0.75%$107,600
Livingston County0.77%$139,700
Macon County0.65%$115,900
Madison County0.73%$127,300
Maries County0.40%$197,400
Marion County0.83%$150,900
McDonald County0.39%$117,200
Mercer County0.78%$104,800
Miller County0.58%$164,900
Mississippi County0.80%$92,600
Moniteau County0.66%$162,100
Monroe County0.77%$136,600
Montgomery County0.66%$162,200
Morgan County0.53%$174,500
New Madrid County0.67%$93,400
Newton County0.66%$162,900
Nodaway County0.82%$157,200
Oregon County0.51%$115,700
Osage County0.49%$183,000
Ozark County0.37%$142,600
Pemiscot County0.91%$94,900
Perry County0.62%$179,900
Pettis County0.67%$150,000
Phelps County0.63%$174,100
Pike County0.69%$114,100
Platte County1.09%$326,400
Polk County0.54%$171,700
Pulaski County0.60%$177,400
Putnam County0.87%$99,600
Ralls County0.75%$144,300
Randolph County0.89%$131,200
Ray County0.80%$169,200
Reynolds County0.43%$105,300
Ripley County0.56%$103,700
Saline County0.72%$129,600
Schuyler County0.76%$106,200
Scotland County0.66%$136,500
Scott County0.57%$132,800
Shannon County0.42%$141,600
Shelby County0.91%$85,900
St. Charles County1.08%$300,800
St. Clair County0.51%$126,500
St. Francois County0.73%$161,400
St. Louis city1.00%$190,400
St. Louis County1.18%$264,300
Ste. Genevieve County0.67%$197,600
Stoddard County0.64%$123,000
Stone County0.49%$220,400
Sullivan County0.70%$91,400
Taney County0.60%$175,100
Texas County0.45%$120,800
Vernon County0.65%$127,800
Warren County0.68%$227,000
Washington County0.60%$112,300
Wayne County0.50%$110,000
Webster County0.45%$185,100
Worth County0.84%$88,100
Wright County0.42%$141,600
Source: American Communities Survey 2022, U.S. Census

How to use the mortgage calculator

To use our mortgage calculator, add your details to the following fields:
1. Home price: What you're hoping to spend on a home.
2. ZIP code: The home's location.
3. Down payment: How much cash you're paying upfront towards the home's price. This calculator defaults to showing a 20% down payment, but you can adjust it up or down by changing the dollar amount or the percentage. This calculator assumes you're using a conventional loan, so it will automatically add private mortgage insurance if the down payment amount is less than 20%.
4. Loan term: The default is 30 years, but you can also choose a shorter term.
5. Interest rate: Use today's average APR, enter the rate you've been quoted or use the lowest APR NerdWallet partners are offering today.
That's the least you can do. To get more accurate results, fill in the following four categories. (Estimates are fine, but this goes over how to get more specific numbers.)
6. Property taxes (per year): This is autofilled with an estimate, but property taxes vary tremendously throughout the country. Get more precise by looking up the tax rate where you're planning to buy or looking at the tax history for the home you're interested in. You can change the property tax amount by editing the dollar amount or the percentage.
7. Homeowners insurance (per year): Mortgage lenders require borrowers to have homeowners insurance. Not sure what you might pay? This calculator puts in an estimate, but you can use NerdWallet's home insurance calculator to fine-tune it. All you need to know is the property location and the rough amount you'd be looking to insure — use the home's price as a proxy.
8. HOA fees: If the home is part of a homeowners association, put the monthly dues here. (The calculator default is no HOA costs.) This is also information you can likely crib from a home's listing. One other note, if there are HOA fees but you're going to pay them directly rather than with an escrow account, you can omit them here.
9. PMI (monthly): If you've entered a down payment amount under 20%, this will autofill, since the calculator assumes you're using a conventional loan. PMI is tied to your credit score, so if you want a more accurate figure, pop over to NerdWallet's PMI calculator. If you're using a VA loan, you can zero this out, since VA loans do not require mortgage insurance. On the other hand, if you're getting an FHA loan, you'll have to pay mortgage insurance premiums regardless of your down payment amount. For more accurate payment info, use our FHA mortgage calculator.
The calculator's results will update as you adjust the numbers in these fields. The results show you the monthly payment, as well as:
  • Loan amount: How much you're actually borrowing in principal.
  • Total interest paid: How much interest you will pay over the life of the mortgage if you keep it until its term ends. (Most people sell or refinance well before that point, but it's still interesting info.)
  • Payoff date: If you kept the same loan for its entire term, here's the month and year when you'd own the home free and clear.
There's also a simple annual amortization schedule. Amortization shows how your mortgage payment changes over time. Even though the principal and interest payment doesn't change with a fixed-rate mortgage, the percentage of that payment that's going toward each component does. At the beginning of the loan, more goes toward interest; the closer to the end of the loan's term, the more of the payment goes toward principal. If you want a more detailed month-by-month look, yes, NerdWallet has an amortization calculator, too.
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CONSIDERING A REFI? If you're looking to see how much you could save by refinancing your mortgage, try NerdWallet's refinance calculator.
» MORE FOR CANADIAN READERS: Canada mortgage payment calculator