St. Louis, MO Mortgage Calculator
In St. Louis, Missouri, the median home is around $180,000. With 20% down at 6.85% and Missouri's ~0.98% effective property-tax rate, the all-in monthly payment is roughly $1,143.07 including principal, interest, property tax, and insurance.
Payment breakdown
- Principal & interest$943.57
- Property tax$165.00
- Home insurance$52.50
Balance over time
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $1,506 | $9,817 | $142,494 |
| 2 | $1,612 | $9,711 | $140,883 |
| 3 | $1,726 | $9,597 | $139,157 |
| 4 | $1,848 | $9,475 | $137,309 |
| 5 | $1,979 | $9,344 | $135,330 |
| 6 | $2,118 | $9,204 | $133,212 |
| 7 | $2,268 | $9,055 | $130,944 |
| 8 | $2,429 | $8,894 | $128,515 |
| 9 | $2,600 | $8,723 | $125,915 |
| 10 | $2,784 | $8,539 | $123,131 |
| 11 | $2,981 | $8,342 | $120,150 |
| 12 | $3,192 | $8,131 | $116,959 |
| 13 | $3,417 | $7,906 | $113,541 |
| 14 | $3,659 | $7,664 | $109,883 |
| 15 | $3,917 | $7,406 | $105,965 |
| 16 | $4,194 | $7,129 | $101,771 |
| 17 | $4,491 | $6,832 | $97,280 |
| 18 | $4,808 | $6,515 | $92,472 |
| 19 | $5,148 | $6,175 | $87,324 |
| 20 | $5,512 | $5,811 | $81,812 |
| 21 | $5,902 | $5,421 | $75,910 |
| 22 | $6,319 | $5,004 | $69,591 |
| 23 | $6,766 | $4,557 | $62,825 |
| 24 | $7,244 | $4,079 | $55,582 |
| 25 | $7,756 | $3,567 | $47,826 |
| 26 | $8,304 | $3,019 | $39,521 |
| 27 | $8,891 | $2,432 | $30,630 |
| 28 | $9,520 | $1,803 | $21,110 |
| 29 | $10,193 | $1,130 | $10,917 |
| 30 | $10,917 | $409 | $0 |
Frequently asked questions
What's a typical mortgage payment in St. Louis, MO?
On a median St. Louis home (about $180,000) with 20% down at 6.85%, the full monthly payment is roughly $1,143.07 — principal, interest, Missouri property tax, and insurance.
How much do you need to earn to buy a home in St. Louis?
Using the 28% housing rule, a $1,143.07 payment fits an income near $48,989 a year, before accounting for your other debts.
What are property taxes like in St. Louis?
Missouri's effective property-tax rate averages about 0.98% of home value — roughly $1,764 a year on a $180,000 home. Local rates vary by county and city assessment.
Sources: Freddie Mac Primary Mortgage Market Survey; Tax Foundation — Property Taxes by State; Consumer Financial Protection Bureau.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.