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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

Scott City, KS Housing Affordability Index

Scott City, Kansas has an MBR Housing Affordability Index score of 119.3 (More Affordable Than Average) as of October 30, 2026, ranking 498th most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $162,200 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $890, or 19% of the city’s $54,880 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Scott City 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.

Scott City MBR-HAI 119.3 More Affordable Than Average
Rank in Kansas 498 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 $162,200 U.S. Census Bureau

Scott City is 0.8 points below the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Scott City Mortgage Rates

What It Takes to Buy in Scott City

$890/mo
Principal & Interest
Median home, 20% down, 7.31%
$38,200
Income Needed
To keep the payment at 28% of income
$54,880
Median Household Income
Kansas: $74,275
3.0x
Price-to-Income Ratio
Kansas: 2.9x
$889/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,324/yr
Median Property Tax
2.05% of median value
39.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
22.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Scott City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Scott City, Kansas score: 119.3 (More Affordable Than Average), ranked 498 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/scott-city”