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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, MO Housing Affordability Index

Blue Springs, Missouri has an MBR Housing Affordability Index score of 116.2 (More Affordable Than Average) as of October 30, 2026, ranking 703rd most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $263,100 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,437, or 19% of the city’s $88,920 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Blue Springs 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.

Blue Springs MBR-HAI 116.2 More Affordable Than Average
Rank in Missouri 703 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 $263,100 U.S. Census Bureau

Blue Springs is 0.6 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Blue Springs Mortgage Rates

What It Takes to Buy in Blue Springs

$1,437/mo
Principal & Interest
Median home, 20% down, 7.26%
$61,600
Income Needed
To keep the payment at 28% of income
$88,920
Median Household Income
Missouri: $70,702
3.0x
Price-to-Income Ratio
Missouri: 3.3x
$1,417/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,297/yr
Median Property Tax
1.25% of median value
18.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.3%
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, Missouri. The rate is the Missouri average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Blue Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Blue Springs, Missouri score: 116.2 (More Affordable Than Average), ranked 703 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/blue-springs”