Home Equity in Missouri: How Much Can You Cash Out? (2026)
With Missouri's median value near $250,000 and a typical $138,000 balance, homeowners can access about $74,500 at 85% combined LTV — through a HELOC, a fixed home equity loan, or a cash-out refinance.
Missouri home values have climbed, so your accessible equity may be larger than you expect — up to the 85% CLTV line.
Accessible equity by Missouri county
| County | Est. Value | Equity at 85% CLTV |
|---|---|---|
| St. Louis County | $260,000 | $78,000 |
| Jackson County | $260,000 | $78,000 |
| St. Charles County | $360,000 | $108,000 |
| Greene County | $260,000 | $78,000 |
| Clay County | $300,000 | $90,000 |
| St. Louis City County | $250,000 | $74,500 |
| Jefferson County | $250,000 | $74,500 |
| Boone County | $250,000 | $74,500 |
| Jasper County | $250,000 | $74,500 |
| Cass County | $250,000 | $74,500 |
| Franklin County | $250,000 | $74,500 |
| Platte County | $250,000 | $74,500 |
| Cole County | $250,000 | $74,500 |
| Buchanan County | $250,000 | $74,500 |
| Christian County | $250,000 | $74,500 |
| Newton County | $250,000 | $74,500 |
| Camden County | $250,000 | $74,500 |
| Cape Girardeau County | $250,000 | $74,500 |
| Lincoln County | $250,000 | $74,500 |
| Taney County | $250,000 | $74,500 |
| Callaway County | $250,000 | $74,500 |
| Phelps County | $250,000 | $74,500 |
| Pettis County | $250,000 | $74,500 |
| Webster County | $250,000 | $74,500 |
| Warren County | $250,000 | $74,500 |
How to tap equity in Missouri
Start with your numbers: home value minus what you owe, capped at 85% of value. Then pick the tool — a revolving HELOC for flexible access, a fixed home equity loan for a lump sum, or a cash-out refinance if a new first-mortgage rate beats your current one. Compare two or three lenders, since margins and fees vary.
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Frequently Asked Questions
- How much home equity can I tap in Missouri?
- On a $250,000 home with a $138,000 balance, about $74,500 at 85% CLTV. Your exact limit depends on the lender, your credit, and the appraisal.
- Is a HELOC or cash-out better in Missouri?
- If your first mortgage rate is low, a HELOC or home equity loan is usually cheaper because it keeps that rate. A cash-out refinance only wins when today's rate beats your current one.