CALCMONEY // HOME AFFORDABILITY // MO // LADUE
How much house can you afford in Ladue? Based on local median home prices, current MO mortgage rates, and Ladue property tax data.
$1,400,000
$9,476/mo
$406,128/yr
$699,716
Monthly housing costs of $9,476 represent 45.9% of Ladue's median gross monthly income ($20,667/mo). At 45.9%, median-income buyers in Ladue are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $1,400,000 |
| Down Payment (20%) | $280,000 |
| Loan Amount | $1,120,000 |
| Monthly PI Payment | $7,376 |
| Monthly Property Tax | $1,517 |
| Monthly Insurance Est. | $583 |
| Total Monthly PITI | $9,476 |
| Housing Cost % of Income | 45.9% |
| Required Income (28% rule) | $406,128/yr |
| Max Affordable Home | $699,716 |
$49,000
$11,955/mo
Ladue Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $1,400,000 | Ladue city median |
| Down Payment (20%) | $280,000 | Conventional loan |
| Monthly PITI | $9,476 | 6.9% rate, 30yr fixed |
| Required Income (28% rule) | $406,128 | Annual gross |
| Max Affordable Home | $699,716 | Based on median income |
| FHA Down (3.5%) | $49,000 | Minimum FHA |
| Housing Cost % of Income | 45.9% | Median income: $248,000/yr |
| Property Tax Rate | 1.3% | $18,200/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Ladue is $1,400,000, with a local 30-year mortgage rate of 6.9%. A buyer putting 20% down carries a loan of $1,120,000, generating a monthly P&I payment of $7,376. Adding property taxes ($1,517/mo) and homeowners insurance ($583/mo) brings total monthly PITI to $9,476.
Ladue's property tax rate of 1.3% is near the national average, adding a standard increment to monthly housing costs. On the Ladue median home, that is $1,517/month, or $18,200 per year.
Missouri levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Ladue should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Ladue's median income of $248,000/year can afford up to $5,787/month in total housing costs. Based on Ladue's mortgage rate of 6.9% and property tax rate of 1.3%, that translates to a maximum affordable home price of approximately $699,716 with 20% down on a 30-year loan.
To afford the median Ladue home priced at $1,400,000, you need an annual gross income of approximately $406,128. Total monthly housing costs (principal and interest of $7,376, property taxes of $1,517, and insurance of $583) come to $9,476/month, which equals 28% of the required income.
At the median home price of $1,400,000 and median household income of $248,000, the total monthly housing cost of $9,476 represents 45.9% of gross monthly income. This is well above the standard 28% threshold, making Ladue a challenging market for buyers at median income.
A conventional 20% down payment on the median Ladue home of $1,400,000 is $280,000. An FHA loan requires just 3.5% down — $49,000 — but adds mortgage insurance of roughly $957/month, bringing total FHA payments to $11,955/month.
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