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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Lawrence, KS Housing Affordability Index

Lawrence, Kansas has an MBR Housing Affordability Index score of 92.4 (Near National Average) as of October 30, 2026, ranking 540th most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $292,700 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,607, or 30% of the city’s $65,009 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lawrence is updated every night from live Kansas mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Lawrence MBR-HAI 92.4 Near National Average
Rank in Kansas 540 of 542 1 = most affordable
Kansas 120.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Kansas lenders
Median home value $292,700 U.S. Census Bureau

Lawrence is 27.7 points below the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Lawrence Mortgage Rates

What It Takes to Buy in Lawrence

$1,607/mo
Principal & Interest
Median home, 20% down, 7.31%
$68,900
Income Needed
To keep the payment at 28% of income
$65,009
Median Household Income
Kansas: $74,275
4.5x
Price-to-Income Ratio
Kansas: 2.9x
$1,405/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,672/yr
Median Property Tax
1.25% of median value
19.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Lawrence, Kansas. The rate is the Kansas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Lawrence Ranks in Kansas

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Cite the Lawrence Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lawrence, Kansas score: 92.4 (Near National Average), ranked 540 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/lawrence”