The 1986 Southwest Missouri State Bears football team represented Southwest Missouri State University (now known as Missouri State University) as a member of the Gateway Collegiate Athletic Conference (GCAC) during the 1986 NCAA Division I-AA football season.
Led by first-year head coach Jesse Branch, the Bears compiled an overall record of 3–7, with a mark of 1–5 in conference play, and finished tied for sixth in the GCAC.
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