Mortgage calculator for St. Louis County new homes
On a $500,000 St. Louis County new home with 20% down at the Freddie Mac 30-year average of 7.32% (week of Oct 22, 2026), principal and interest is about $2,748 a month, before property tax, insurance, HOA and any CDD or NID fee.
Monthly payment estimate
Prefilled: an example price of $500,000, so enter the home you are looking at. Change any number.
St. Louis County estimate; range 0.95% to 1.55% (MO State Auditor, 2025).
Missouri average (NAIC, 2023 data).
Example, ask your lender; typical range 0.19% to 1.86% per year, Urban Institute 2021. Applies only with less than 20% down.
Rate: Freddie Mac 30-year average 7.32%, week of Oct 22, 2026 (Freddie Mac PMMS); 15-year 6.68%. Property tax 1.3% a year, a St. Louis County estimate; it runs about 0.95% to 1.55% depending on school, fire and city levies (Missouri State Auditor, 2025 tax rates). Insurance $1,589 a year, the Missouri average (NAIC, 2023 data). Estimate only, not a loan offer. Taxes, insurance and rates vary.
Principal and interest at each community's starting price
20% down, 7.32% for 30 years, before taxes, insurance and HOA. Prices from builder sites checked Oct 28, 2026 or the MLS.
| Community | From | Principal and interest, 20% down, 30 years |
|---|---|---|
| The Pointe at Brightleaf Orchard Villas | $494,900 | $2,720 a month |
| Gateway Heights | $498,900 | $2,742 a month |
| Oak Ridge Place | $499,000 | $2,742 a month |
| Magnolia Hills | $499,900 | $2,747 a month |
| Parkside Estates | $549,000 | $3,017 a month |
| Windhaven | $569,000 | $3,127 a month |
| The Pointe at Brightleaf Manor Villas | $569,900 | $3,132 a month |
| Napoli Estates | $584,000 | $3,209 a month |
| Claymont Hills | $584,900 | $3,214 a month |
| The Reserve | $608,950 | $3,346 a month |
| Summit at Butler Hill | $629,900 | $3,462 a month |
| Wildhorse Village | $719,900 | $3,956 a month |
| Sulphur Spring | $724,900 | $3,984 a month |
| The Manors at Tesson Ridge | $728,000 | $4,001 a month |
| Gates Manor | $729,990 | $4,012 a month |
| Tower Hill | $799,900 | $4,396 a month |
| Manors At Lynstone Park | $849,900 | $4,671 a month |
| Deer Hollow | $1,042,900 | $5,731 a month |
| Schaeffer's Grove | $1,299,000 | $7,139 a month |
| Forsythia on the Park | $1,599,900 | $8,792 a month |
| The Enclave at Greenbriar | $1,623,172 | $8,920 a month |
| Clayton Road Park | $1,695,000 | $9,315 a month |
| Arqué in Clayton | $1,722,336 | $9,465 a month |
| Mason Road at Creve Coeur | $2,109,000 | $11,590 a month |
| Thornhill Estates | $2,999,000 | $16,481 a month |
| Meridien | $3,025,000 | $16,624 a month |
| Ballas Ridge | $3,100,000 | $17,036 a month |
| Lindworth Estates | $3,789,900 | $20,827 a month |
Tap a column heading to sort.
Get new construction offers for St. Louis County
Craig will email you the builder offers he checks on builder websites, or send new homes as they list. Every offer carries the date it was checked.
Please check your name, email and phone number, then try again.
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Common questions
How much is the monthly payment on a $500,000 new home in St. Louis County?
On a $500,000 St. Louis County new home with 20% down at the Freddie Mac 30-year average of 7.32% (week of Oct 22, 2026), principal and interest is about $2,748 a month, before property tax, insurance, HOA and any CDD or NID fee.
What property tax rate does the calculator use?
1.3% of the home value a year, an estimate for St. Louis County from the Missouri State Auditor 2025 tax rate report. Real rates run about 0.95% to 1.55% depending on the school, fire and city levies. A new home is often taxed on the lot only in its first year, so the payment can rise in year two.
Can a builder incentive lower my payment?
Yes, when the builder offers a lower rate or pays to buy one down. Each community page shows the builder's current rate offer, if any, next to the payment at the average rate. Get a Loan Estimate before you sign.
Thinking about building?
The builder's sales agent works for the builder. Craig Ziegel can represent you: compare builders and lots, review the contract and walk-throughs.
Call or text 314-907-0410.
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