St. Louis Mortgage Calculator
Estimate your monthly mortgage payment in St. Louis, MO. On the local median home value of $180,000 — with a 20% down payment at today's rates — expect a total monthly payment (principal, interest, taxes, and insurance) of about $1,228. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$910
- Property Tax$152
- Home Insurance$167
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $10,922 | $1,610 | $9,313 | $142,390 |
| 2 | $10,922 | $1,717 | $9,205 | $140,673 |
| 3 | $10,922 | $1,832 | $9,090 | $138,841 |
| 4 | $10,922 | $1,955 | $8,967 | $136,886 |
| 5 | $10,922 | $2,086 | $8,836 | $134,800 |
| 6 | $10,922 | $2,226 | $8,696 | $132,574 |
| 7 | $10,922 | $2,375 | $8,547 | $130,199 |
| 8 | $10,922 | $2,534 | $8,388 | $127,666 |
| 9 | $10,922 | $2,703 | $8,219 | $124,962 |
| 10 | $10,922 | $2,885 | $8,038 | $122,078 |
| 11 | $10,922 | $3,078 | $7,844 | $119,000 |
| 12 | $10,922 | $3,284 | $7,638 | $115,716 |
| 13 | $10,922 | $3,504 | $7,418 | $112,212 |
| 14 | $10,922 | $3,738 | $7,184 | $108,474 |
| 15 | $10,922 | $3,989 | $6,933 | $104,485 |
| 16 | $10,922 | $4,256 | $6,666 | $100,229 |
| 17 | $10,922 | $4,541 | $6,381 | $95,688 |
| 18 | $10,922 | $4,845 | $6,077 | $90,843 |
| 19 | $10,922 | $5,170 | $5,753 | $85,674 |
| 20 | $10,922 | $5,516 | $5,406 | $80,158 |
| 21 | $10,922 | $5,885 | $5,037 | $74,273 |
| 22 | $10,922 | $6,279 | $4,643 | $67,994 |
| 23 | $10,922 | $6,700 | $4,222 | $61,294 |
| 24 | $10,922 | $7,149 | $3,774 | $54,145 |
| 25 | $10,922 | $7,627 | $3,295 | $46,518 |
| 26 | $10,922 | $8,138 | $2,784 | $38,380 |
| 27 | $10,922 | $8,683 | $2,239 | $29,697 |
| 28 | $10,922 | $9,265 | $1,658 | $20,432 |
| 29 | $10,922 | $9,885 | $1,037 | $10,547 |
| 30 | $10,922 | $10,547 | $375 | $0 |
Swipe the table sideways to see all columns →
How to use this calculator
The Home Price field is pre-filled with the median home value in St. Louis (about $180,000). Override with your target home's actual price to get a payment estimate for that specific property.
The Property Tax Rate is pre-filled with Missouri's average effective rate of 1.01%. Within Missouri, rates vary by county — if you know your specific local rate, override it for a more precise estimate.
Adjust the Down Payment slider to see how your payment changes. Below 20% down triggers PMI; the calculator adds it automatically and shows a warning.
Scroll down for the full PITI breakdown, monthly payment pie chart, and complete month-by-month amortization schedule.
How it works
Buying a median-priced home in St. Louis. At $180,000 with a 20% down payment, you'd bring $36,000 to closing (plus closing costs) and take out a $144,000 mortgage. At a 6.50% interest rate on a 30-year fixed loan, your monthly principal + interest is roughly $910.
Annual costs on top of the loan. Missouri's average property tax rate is 1.01%, so a median-priced St. Louis home generates approximately $1,818 in annual property tax (about $152/mo when paid through escrow). Homeowner's insurance in Missouri averages around $2,000/year.
Total monthly payment (PITI) on the median St. Louis home works out to about $1,228 per month at current rates, assuming a 20% down payment and no HOA. If you're putting less than 20% down, add PMI to this — typically 0.5–1.5% of the loan balance per year.
Rates change; this is the math, not the offer. Mortgage rates fluctuate daily. Our default of 6.50% is a recent conventional 30-year benchmark — enter today's quoted rate from your lender for the most accurate payment estimate.
Frequently Asked Questions
Looking for a different city? Browse all cities. For Missouri-specific property taxes, see the Missouri Property Tax Calculator.