MonitorBankRates
☰
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

Loch Lloyd, MO Housing Affordability Index

Loch Lloyd, Missouri has an MBR Housing Affordability Index score of 87.4 (Moderately Less Affordable) as of October 30, 2026, ranking 815th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $1,055,700 home with 20% down, a jumbo loan at 7.51% means a monthly principal and interest payment of about $5,911, or 39% of the city’s $183,958 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Loch Lloyd 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.

Loch Lloyd MBR-HAI 87.4 Moderately Less Affordable
Rank in Missouri 815 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 $1,055,700 U.S. Census Bureau

Loch Lloyd is 28.3 points below the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Loch Lloyd Mortgage Rates

What It Takes to Buy in Loch Lloyd

$5,911/mo
Principal & Interest
Median home, 20% down, 7.51% jumbo
$253,300
Income Needed
To keep the payment at 28% of income
$183,958
Median Household Income
Missouri: $70,702
5.7x
Price-to-Income Ratio
Missouri: 3.3x
$2,856/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,844/yr
Median Property Tax
Missouri figure
40.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Loch Lloyd, Missouri. The rate is the Missouri average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Loch Lloyd Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Loch Lloyd, Missouri score: 87.4 (Moderately Less Affordable), ranked 815 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/loch-lloyd”