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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

Cottleville, MO Housing Affordability Index

Cottleville, Missouri has an MBR Housing Affordability Index score of 111.3 (More Affordable Than Average) as of October 30, 2026, ranking 737th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $435,400 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $2,379, or 22% of the city’s $131,310 median household income.

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

Cottleville MBR-HAI 111.3 More Affordable Than Average
Rank in Missouri 737 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 $435,400 U.S. Census Bureau

Cottleville is 4.3 points below the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Cottleville Mortgage Rates

See What You Can Afford in Cottleville, Missouri

Use this Cottleville, 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 Cottleville median income of $131,310, with no other debts and $87,000 down, can afford a home of about $435,288, compared with a median home value of $435,400. Buying the median priced home with 20% down takes a household income of about $125,100 once property tax and insurance are counted.

Cottleville median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Missouri average, 30-year fixed
Cottleville median bill (Census)
Estimate; use your quote
You can afford a home up to
$435,288
Below the Cottleville median home value of $435,400
Loan amount$348,288
Principal & interest$2,378/mo
Property tax$359/mo
Home insurance$181/mo
PMI$145/mo
Total monthly payment$3,064/mo
Compare Cottleville Mortgage Rates

How much house can you afford in Cottleville?

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 Cottleville, property taxes run about 0.99% 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 $6,857 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 Cottleville

$2,379/mo
Principal & Interest
Median home, 20% down, 7.26%
$101,900
Income Needed
To keep principal and interest at 28% of income
$131,310
Median Household Income
Missouri: $70,702
3.3x
Price-to-Income Ratio
Missouri: 3.3x
$1,718/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,325/yr
Median Property Tax
0.99% of median value
13.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
59.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Cottleville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cottleville, Missouri score: 111.3 (More Affordable Than Average), ranked 737 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/cottleville”