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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

Cedar Hill Lakes, MO Housing Affordability Index

Cedar Hill Lakes, Missouri has an MBR Housing Affordability Index score of 153.8 (Highly Affordable) as of October 30, 2026, ranking 416th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $140,000 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $765, or 15% of the city’s $59,821 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cedar Hill Lakes 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.

Cedar Hill Lakes MBR-HAI 153.8 Highly Affordable
Rank in Missouri 416 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 $140,000 U.S. Census Bureau

Cedar Hill Lakes is 38.1 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Cedar Hill Lakes Mortgage Rates

What It Takes to Buy in Cedar Hill Lakes

$765/mo
Principal & Interest
Median home, 20% down, 7.26%
$32,800
Income Needed
To keep the payment at 28% of income
$59,821
Median Household Income
Missouri: $70,702
2.3x
Price-to-Income Ratio
Missouri: 3.3x
$900/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,438/yr
Median Property Tax
1.03% of median value
15.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
15.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Cedar Hill Lakes Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cedar Hill Lakes, Missouri score: 153.8 (Highly Affordable), ranked 416 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/cedar-hill-lakes”