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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

Blue Springs, MS Housing Affordability Index

Blue Springs, Mississippi has an MBR Housing Affordability Index score of 166.2 (Highly Affordable) as of October 30, 2026, ranking 80th most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $158,300 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $859, or 23% of the city’s $44,286 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Blue Springs is updated every night from live Mississippi 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.

Blue Springs MBR-HAI 166.2 Highly Affordable
Rank in Mississippi 80 of 285 1 = most affordable
Mississippi 131.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.20% Mississippi lenders
Median home value $158,300 U.S. Census Bureau

Blue Springs is 35.1 points above the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Blue Springs Mortgage Rates

What It Takes to Buy in Blue Springs

$859/mo
Principal & Interest
Median home, 20% down, 7.20%
$36,800
Income Needed
To keep the payment at 28% of income
$44,286
Median Household Income
Mississippi: $56,447
3.6x
Price-to-Income Ratio
Mississippi: 3.0x
$500/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$475/yr
Median Property Tax
0.30% of median value
10.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
55.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Blue Springs Ranks in Mississippi

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Cite the Blue Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Blue Springs, Mississippi score: 166.2 (Highly Affordable), ranked 80 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/blue-springs”