2025 Mortgage Loan Limits: St. Louis County, Missouri
| Property Type | 2025 Loan Limit |
|---|---|
| 1-Unit Homes | $806,500 |
| 2-Unit Homes | $1,032,650 |
| 3-Unit Homes | $1,248,150 |
| 4-Unit Homes | $1,551,250 |
Source: Federal Housing Finance Agency; Federal Housing Administration
St. Louis County, Missouri, mortgage loan limits apply in:
St. Louis County 2025 mortgage loan limits include the following cities: Affton, Ballwin, Bella Villa, Bellefontaine Neighbors, Bellerive Acres, Bel-Nor, Bel-Ridge, Berkeley, Beverly Hills, Black Jack, Breckenridge Hills, Brentwood, Bridgeton, Calverton Park, Castle Point, Champ, Charlack, Chesterfield, Clarkson Valley, Clayton, Concord, Cool Valley, Country Club Hills, Country Life Acres, Crestwood, Creve Coeur, Crystal Lake Park, Dellwood, Des Peres, Edmundson, Ellisville, Fenton, Ferguson, Flordell Hills, Florissant, Frontenac, Glasgow Village, Glendale, Glen Echo Park, Grantwood Village, Greendale, Green Park, Hanley Hills, Hazelwood, Hillsdale, Huntleigh, Jennings, Kinloch, Kirkwood, Ladue, Lakeshire, Lemay, Manchester, Maplewood, Marlborough, Maryland Heights, Mehlville, Moline Acres, Normandy, Northwoods, Norwood Court, Oakland, Oakville, Old Jamestown, Olivette, Overland, Pagedale, Pasadena Hills, Pasadena Park, Pine Lawn, Richmond Heights, Riverview, Rock Hill, Sappington, Shrewsbury, Spanish Lake, St. Ann, St. George, St. John, Sunset Hills, Sycamore Hills, Town and Country, Twin Oaks, University City, Uplands Park, Valley Park, Velda City, Velda Village Hills, Vinita Park, Warson Woods, Webster Groves, Wellston, Westwood, Wilbur Park, Wildwood, Winchester, Woodson Terrace
Historical Charts: Mortgage Loan Limits in St. Louis County, Missouri
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in St. Louis County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from St. Louis County, Missouri
Mortgage statistics for St. Louis County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
| Mortgages | Total |
|---|---|
| Purchase Mortgages (2018-2023) | 65731 |
| Loan Type | Relative Share |
|---|---|
| Conventional | 78.59% |
| FHA | 16.40% |
| VA | 5.00% |
| USDA | 0.01% |
| Property Type | Relative Share |
|---|---|
| 1-Unit Homes | 99.17% |
| 2-Unit Homes | 0.63% |
| 3-Unit Homes | 0.04% |
| 4-Unit Homes | 0.16% |
| Borrower Status | Relative Share |
|---|---|
| One Applicant | 59.29% |
| Two or More Applicants | 40.71% |
| Gender | Relative Share |
|---|---|
| Male | 31.57% |
| Female | 27.09% |
| Joint Sex | 35.89% |
| Not Available | 5.46% |
| Race | Relative Share |
|---|---|
| American Indian / Alaska Native | 0.19% |
| Asian | 5.38% |
| Black / African American | 13.61% |
| Native Hawaiian / Other Pacific Islander | 0.08% |
| White | 67.89% |
| Mixed Race | 2.10% |
| Other Race | 10.76% |
| Ethnicity | Relative Share |
|---|---|
| Hispanic or Latino | 2.85% |
| Not Hispanic or Latino | 84.56% |
| Joint Ethnicity | 1.24% |
| Other Ethnicity | 11.35% |
St. Louis County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near St. Louis County, Missouri
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding St. Louis County, Missouri. Local loan limits and county-level mortgage data updated regularly.
