Q. Do you have to cite a personal photo when doing a paper in MLA Style?

Per the MLA 8th and 9th edition, yes you do cite your personal photographs. https://style.mla.org/citing-a-personal-photograph/

For an image you took yourself you should cite yourself as the author, create a short description for the title of the photo and include the date the photo was taken.

Your citation would look like this:

Fanatic, Jane. Photograph of Jane Austen’s House Museum. 2 Sept. 2017. Author’s personal collection.