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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

Birch Tree, MO Housing Affordability Index

Birch Tree, Missouri has an MBR Housing Affordability Index score of 229.8 (Highly Affordable) as of October 30, 2026, ranking 88th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $75,000 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $410, or 11% of the city’s $46,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Birch Tree 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.

Birch Tree MBR-HAI 229.8 Highly Affordable
Rank in Missouri 88 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 $75,000 U.S. Census Bureau

Birch Tree is 114.1 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Birch Tree Mortgage Rates

See What You Can Afford in Birch Tree, Missouri

Use this Birch Tree, 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 Birch Tree median income of $46,500, with no other debts and $15,000 down, can afford a home of about $147,759, compared with a median home value of $75,000. Buying the median priced home with 20% down takes a household income of about $20,200 once property tax and insurance are counted.

Birch Tree median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Missouri average, 30-year fixed
Birch Tree median bill (Census)
Estimate; use your quote
You can afford a home up to
$147,759
At or above the Birch Tree median home value of $75,000
Loan amount$132,759
Principal & interest$907/mo
Property tax$62/mo
Home insurance$62/mo
PMI$55/mo
Total monthly payment$1,085/mo
Compare Birch Tree Mortgage Rates

How much house can you afford in Birch Tree?

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 Birch Tree, property taxes run about 0.50% 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 $2,743 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 Birch Tree

$410/mo
Principal & Interest
Median home, 20% down, 7.26%
$17,600
Income Needed
To keep principal and interest at 28% of income
$46,500
Median Household Income
Missouri: $70,702
1.6x
Price-to-Income Ratio
Missouri: 3.3x
$754/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$376/yr
Median Property Tax
0.50% of median value
16.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Birch Tree Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Birch Tree, Missouri score: 229.8 (Highly Affordable), ranked 88 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/birch-tree”