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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

Centralia, MO Housing Affordability Index

Centralia, Missouri has an MBR Housing Affordability Index score of 137.7 (Highly Affordable) as of October 30, 2026, ranking 521st most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $174,300 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $952, or 17% of the city’s $66,438 median household income.

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

Centralia MBR-HAI 137.7 Highly Affordable
Rank in Missouri 521 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 $174,300 U.S. Census Bureau

Centralia is 22.1 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Centralia Mortgage Rates

What It Takes to Buy in Centralia

$952/mo
Principal & Interest
Median home, 20% down, 7.26%
$40,800
Income Needed
To keep the payment at 28% of income
$66,438
Median Household Income
Missouri: $70,702
2.6x
Price-to-Income Ratio
Missouri: 3.3x
$945/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,522/yr
Median Property Tax
0.87% of median value
13.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Centralia Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Centralia, Missouri score: 137.7 (Highly Affordable), ranked 521 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/centralia”