Missouri Housing Affordability Index

Daily affordability score for Missouri compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Missouri

117.6

More Affordable Than Avg

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #12 of 51 states

vs. National Average +17 points

30-yr Rate Used 6.581%

Median Home Value $230,300

Median Household Income $70,702

View all state rankings →

Missouri Affordability Ranking

#12 of 51 states — April 10, 2026 More affordable than average

Most Affordable Least Affordable

More affordable than: 39 of 51 states (76%)

Less affordable than: 11 of 51 states (22%)

MBR-HAI Score: 117.6 vs. national 100.6 (+17 points)

Nearby States

↑ 9 more affordable states above

#10 OK 119.5

#11 ND 118.3

#12 Missouri ◀ 117.6

#13 SD 116.1

#14 SC 114.8

↓ 37 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Missouri MBR-HAI — 90-Day Trend

Missouri

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Missouri

$230,300

Median Home Value

U.S. median: varies by state

$70,702

Median Household Income

U.S. median: $80,734

3.3x

Price-to-Income Ratio

Home value ÷ income

$1,087/mo

Median Owner Costs

18.4% of income annually

$1,844/yr

Median Property Tax

0.80% effective rate

69.1%

Homeownership Rate

U.S. average: 65.7%

21.8%

Owner Cost Burden

% spending 30%+ of income on housing

6.581%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Missouri Ranks Among All States

#12

of 51 states

Least Affordable Most Affordable

Missouri is more affordable than 78% of U.S. states — More Affordable Than Avg

117.6

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 8 states →
9	Kentucky	119.6	More Affordable Than Avg
10	Oklahoma	119.5	More Affordable Than Avg
11	North Dakota	118.3	More Affordable Than Avg
12	Missouri You are here	117.6	More Affordable Than Avg
13	South Dakota	116.1	More Affordable Than Avg
14	South Carolina	114.8	More Affordable Than Avg
15	New Mexico	114.1	More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near Missouri — April 10, 2026 • View complete national rankings →

Download Missouri HAI Data

Missouri History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,MO,117.6,100.6,6.581                

Download MO History (CSV)

All 51 States (CSV)

Compare Missouri to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Missouri ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Missouri Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Missouri.