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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

La Monte, MO Housing Affordability Index

La Monte, Missouri has an MBR Housing Affordability Index score of 208.7 (Highly Affordable) as of October 30, 2026, ranking 137th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $110,900 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $606, or 11% of the city’s $65,648 median household income.

The MBR Housing Affordability Index (MBR-HAI) for La Monte 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.

La Monte MBR-HAI 208.7 Highly Affordable
Rank in Missouri 137 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 $110,900 U.S. Census Bureau

La Monte is 93.0 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View La Monte Mortgage Rates

What It Takes to Buy in La Monte

$606/mo
Principal & Interest
Median home, 20% down, 7.26%
$26,000
Income Needed
To keep the payment at 28% of income
$65,648
Median Household Income
Missouri: $70,702
1.7x
Price-to-Income Ratio
Missouri: 3.3x
$474/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,063/yr
Median Property Tax
0.96% of median value
7.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
27.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the La Monte Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. La Monte, Missouri score: 208.7 (Highly Affordable), ranked 137 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/la-monte”