MonitorBankRates
☰
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

Berger, MO Housing Affordability Index

Berger, Missouri has an MBR Housing Affordability Index score of 223.2 (Highly Affordable) as of October 30, 2026, ranking 103rd most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $96,300 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $526, or 11% of the city’s $55,938 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Berger is updated every night from live Missouri 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.

Berger MBR-HAI 223.2 Highly Affordable
Rank in Missouri 103 of 822 1 = most affordable
Missouri 115.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Missouri lenders
Median home value $96,300 U.S. Census Bureau

Berger is 107.6 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Berger Mortgage Rates

See What You Can Afford in Berger, Missouri

Use this Berger, Missouri home affordability calculator to see how much house you can afford at today’s Missouri average 30-year mortgage rate of 7.26%. A household earning the Berger median income of $55,938, with no other debts and $19,000 down, can afford a home of about $167,222, compared with a median home value of $96,300. Buying the median priced home with 20% down takes a household income of about $28,300 once property tax and insurance are counted.

Berger median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Missouri average, 30-year fixed
Berger median bill (Census)
Estimate; use your quote
You can afford a home up to
$167,222
At or above the Berger median home value of $96,300
Loan amount$148,222
Principal & interest$1,012/mo
Property tax$162/mo
Home insurance$70/mo
PMI$62/mo
Total monthly payment$1,305/mo
Compare Berger Mortgage Rates

How much house can you afford in Berger?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Berger, property taxes run about 1.16% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $2,871 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Berger

$526/mo
Principal & Interest
Median home, 20% down, 7.26%
$22,500
Income Needed
To keep principal and interest at 28% of income
$55,938
Median Household Income
Missouri: $70,702
1.7x
Price-to-Income Ratio
Missouri: 3.3x
$780/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,114/yr
Median Property Tax
1.16% of median value
2.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
29.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Berger Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Berger, Missouri score: 223.2 (Highly Affordable), ranked 103 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/berger”