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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

Bogard, MO Housing Affordability Index

Bogard, Missouri has an MBR Housing Affordability Index score of 226.3 (Highly Affordable) as of October 30, 2026, ranking 97th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $72,100 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $394, or 8% of the city’s $60,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bogard 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.

Bogard MBR-HAI 226.3 Highly Affordable
Rank in Missouri 97 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 $72,100 U.S. Census Bureau

Bogard is 110.6 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Bogard Mortgage Rates

See What You Can Afford in Bogard, Missouri

Use this Bogard, 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 Bogard median income of $60,750, with no other debts and $14,000 down, can afford a home of about $155,069, compared with a median home value of $72,100. Buying the median priced home with 20% down takes a household income of about $24,800 once property tax and insurance are counted.

Bogard median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Missouri average, 30-year fixed
Bogard median bill (Census)
Estimate; use your quote
You can afford a home up to
$155,069
At or above the Bogard median home value of $72,100
Loan amount$141,069
Principal & interest$963/mo
Property tax$331/mo
Home insurance$65/mo
PMI$59/mo
Total monthly payment$1,418/mo
Compare Bogard Mortgage Rates

How much house can you afford in Bogard?

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 Bogard, property taxes run about 2.56% 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 $2,413 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 Bogard

$394/mo
Principal & Interest
Median home, 20% down, 7.26%
$16,900
Income Needed
To keep principal and interest at 28% of income
$60,750
Median Household Income
Missouri: $70,702
1.2x
Price-to-Income Ratio
Missouri: 3.3x
$442/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,844/yr
Median Property Tax
Missouri figure
21.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Bogard Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bogard, Missouri score: 226.3 (Highly Affordable), ranked 97 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/bogard”