St. Clair County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $157,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,043 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $157,100 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 5.30× |
| Median household income | $53,043 |
| Median home value ÷ income | 3.0× |
| Population | 9,587 |
| Median property tax paid (owners) | $966 |
| Effective property tax rate (approx.) | 0.61% |
| Owner-occupied homes | 76.0% |
| Home value rank in Missouri | 77 of 115 counties |
| Neighbor: Bates County, MO | limit $832,750; median home $170,800 |
| Neighbor: Benton County, MO | limit $832,750; median home $177,900 |
| Neighbor: Cedar County, MO | limit $832,750; median home $168,100 |
| Neighbor: Henry County, MO | limit $832,750; median home $160,600 |
| Neighbor: Hickory County, MO | limit $832,750; median home $176,100 |
| Neighbor: Polk County, MO | limit $832,750; median home $205,800 |
| Neighbor: Vernon County, MO | limit $832,750; median home $158,800 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. St. Clair County's median home value is 32% below the state median of $230,300 (rank 77 of 115). Among its 7 neighboring counties, Polk County has the highest median home value ($205,800) and Vernon County the lowest ($158,800); all share the same loan limit. Owners pay a median $966 a year in property tax, an effective rate of about 0.61% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.
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