Flordell Hills, MO Housing Affordability Index
Flordell Hills, Missouri has an MBR Housing Affordability Index score of 194.6 (Highly Affordable) as of October 30, 2026, ranking 191st most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $51,800 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $283, or 9% of the city’s $36,410 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Flordell Hills 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.
Flordell Hills is 79.0 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index
View Flordell Hills Mortgage RatesSee What You Can Afford in Flordell Hills, Missouri
Use this Flordell Hills, 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 Flordell Hills median income of $36,410, with no other debts and $10,000 down, can afford a home of about $100,090, compared with a median home value of $51,800. Buying the median priced home with 20% down takes a household income of about $16,500 once property tax and insurance are counted.
| Loan amount | $90,090 |
| Principal & interest | $615/mo |
| Property tax | $155/mo |
| Home insurance | $42/mo |
| PMI | $38/mo |
| Total monthly payment | $850/mo |
How much house can you afford in Flordell Hills?
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 Flordell Hills, property taxes run about 1.86% 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 $1,637 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 Flordell Hills
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Flordell Hills, Missouri. The rate is the Missouri average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Flordell Hills Ranks in Missouri
Cite the Flordell Hills Score
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Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
