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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

Lock Springs, MO Housing Affordability Index

Lock Springs, Missouri has an MBR Housing Affordability Index score of 229.5 (Highly Affordable) as of October 30, 2026, ranking 89th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $121,900 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $666, or 8% of the city’s $97,188 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lock Springs 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.

Lock Springs MBR-HAI 229.5 Highly Affordable
Rank in Missouri 89 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 $121,900 U.S. Census Bureau

Lock Springs is 113.9 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Lock Springs Mortgage Rates

What It Takes to Buy in Lock Springs

$666/mo
Principal & Interest
Median home, 20% down, 7.26%
$28,500
Income Needed
To keep the payment at 28% of income
$97,188
Median Household Income
Missouri: $70,702
1.3x
Price-to-Income Ratio
Missouri: 3.3x
$493/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,844/yr
Median Property Tax
Missouri figure
25.0%
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 Lock Springs, Missouri. The rate is the Missouri average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Lock Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lock Springs, Missouri score: 229.5 (Highly Affordable), ranked 89 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/lock-springs”