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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

Golden, MO Housing Affordability Index

Golden, Missouri has an MBR Housing Affordability Index score of 108.5 (Near National Average) as of October 30, 2026, ranking 758th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $209,000 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,142, or 29% of the city’s $46,488 median household income.

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

Golden MBR-HAI 108.5 Near National Average
Rank in Missouri 758 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 $209,000 U.S. Census Bureau

Golden is 7.2 points below the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Golden Mortgage Rates

What It Takes to Buy in Golden

$1,142/mo
Principal & Interest
Median home, 20% down, 7.26%
$48,900
Income Needed
To keep the payment at 28% of income
$46,488
Median Household Income
Missouri: $70,702
4.5x
Price-to-Income Ratio
Missouri: 3.3x
$402/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
77.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Golden Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Golden, Missouri score: 108.5 (Near National Average), ranked 758 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/golden”