What is the 2026 conforming loan limit in St. Louis County, MO?

$806,500 for a one-unit property. Loan amounts above that move to jumbo or portfolio investor pricing. On a DSCR purchase at the county average basis of $364,333, an 80% LTV loan is roughly $291,467, so most files here stay inside the limit.

Which St. Louis County market has the best rental cash flow?

On current modeling, Ferguson shows the strongest coverage in the county at about 1.19x, with an estimated $975/month lease against a $120,000 basis. Ferguson offers the lowest entry price at $120,000. Both are worth modeling on a specific address before you choose a submarket.

Can I use one DSCR lender across multiple St. Louis County properties?

Yes, and it is usually the faster path. DSCR loans have no cap on financed properties, so once a lender has your entity documents, guaranty and reserve verification on file, subsequent acquisitions in St. Louis County close on the same underwriting profile — typically 21–30 days per file, with the appraisal on the critical path.

Do property taxes in St. Louis County affect my DSCR ratio?

Directly. County-assessed taxes sit inside PITIA, which is the denominator of the ratio. At the $364,333 county average, taxes and insurance are already built into the $2,478 monthly PITIA figure above. A reassessment after purchase can move a 1.05x file below 1.0, which is why we underwrite to the reassessed value rather than the seller's current tax bill.

Investor Hub · St. Louis County, MO

DSCR & Investment Property Loans in St. Louis County, MO

15 financed rental markets, an average 0.82x coverage ratio, and a $806,500 2026 conforming limit.

Markets Financed

Avg. Investment Basis

$364,333

Avg. Monthly Rent

$1,917/mo

Avg. Monthly PITIA

$2,478/mo

Avg. DSCR Ratio

0.82x

2026 Conforming Limit

$806,500

Investing in St. Louis County

St. Louis County covers 15 rental markets we actively finance in Missouri — Ballwin, Bridgeton, Chesterfield, Clayton, Creve Coeur, Fenton and 9 more. Across those markets the median investment basis averages $364,333, a long-term lease averages $1,917/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $2,478. That produces a county-wide average DSCR ratio near 0.82x.

Basis varies more inside St. Louis County than the average suggests. Ferguson is the lowest entry point at roughly $120,000, while Ferguson currently models the strongest coverage ratio in the county at 1.19x. When two towns in the same county ratio differently, it is almost always the rent-to-price relationship rather than the rate — the same loan pricing applies county-wide, so the deal is won on which submarket you buy in.

County-level inputs that move your ratio

Everything in St. Louis County shares one set of county-level inputs, and they matter to your ratio: the 2026 conforming loan limit here is $806,500, county property tax is assessed and collected at the county level, and recording and transfer charges at closing are set by the county clerk. Those three items are the reason a DSCR file that pencils in one county can fail two counties over at an identical price and rent.

These are long-term rental markets. Short-term rental permitting in St. Louis County is limited or uncommon, so plan on lease-based DSCR qualification rather than nightly revenue. Average estimated cap rate across the county is 4.16%.

St. Louis County markets side by side

Market	Median Price	Est. Rent	Est. DSCR	Cap Rate
Ballwin	$375,000	$1,975/mo	0.77x	3.92%
Bridgeton	$205,000	$1,225/mo	0.88x	4.45%
Chesterfield	$500,000	$2,450/mo	0.72x	3.65%
Clayton	$780,000	$3,475/mo	0.65x	3.31%
Creve Coeur	$560,000	$2,675/mo	0.70x	3.55%
Fenton	$300,000	$1,650/mo	0.81x	4.09%
Ferguson	$120,000	$975/mo	1.19x	6.04%
Florissant	$175,000	$1,075/mo	0.90x	4.57%
Hazelwood	$175,000	$1,075/mo	0.90x	4.57%
Kirkwood	$450,000	$2,275/mo	0.74x	3.76%
Manchester	$340,000	$1,825/mo	0.79x	3.99%
Maryland Heights	$265,000	$1,500/mo	0.83x	4.21%
University City	$300,000	$1,975/mo	0.97x	4.90%
Webster Groves	$420,000	$2,150/mo	0.75x	3.81%
Wildwood	$500,000	$2,450/mo	0.72x	3.65%

Each row models a purchase at that market's median price with 20% down at an illustrative 7.50% DSCR rate on a 30-year fixed. Open a market for the full underwriting breakdown.

County averages are calculated across the 15 St. Louis County markets we model, each at its own median price and market rent. Figures are illustrative estimates, not a loan offer or an appraisal. Conforming limits reflect the 2026 FHFA schedule for this county.

St. Louis County investor FAQ

Markets and resources in St. Louis County

Ballwin investor guide

$375,000 median · 0.77x DSCR

Bridgeton investor guide

$205,000 median · 0.88x DSCR

Chesterfield investor guide

$500,000 median · 0.72x DSCR

Clayton investor guide

$780,000 median · 0.65x DSCR

Creve Coeur investor guide

$560,000 median · 0.70x DSCR

Fenton investor guide

$300,000 median · 0.81x DSCR

Ferguson investor guide

$120,000 median · 1.19x DSCR

Florissant investor guide

$175,000 median · 0.90x DSCR

Hazelwood investor guide

$175,000 median · 0.90x DSCR

Kirkwood investor guide

$450,000 median · 0.74x DSCR

Manchester investor guide

$340,000 median · 0.79x DSCR

Maryland Heights investor guide

$265,000 median · 0.83x DSCR

University City investor guide

$300,000 median · 0.97x DSCR

Webster Groves investor guide

$420,000 median · 0.75x DSCR

Wildwood investor guide

$500,000 median · 0.72x DSCR

DSCR loans in Missouri

Missouri DSCR requirements

Missouri DSCR cash-out refinance

Model a St. Louis County deal

Send the address and we'll return the real DSCR ratio, PITIA and cash flow — including the county tax and insurance figures that decide whether the file clears 1.0x. Licensed in Missouri.

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