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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

Schell City, MO Housing Affordability Index

Schell City, Missouri has an MBR Housing Affordability Index score of 240.4 (Highly Affordable) as of October 30, 2026, ranking 70th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $57,500 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $314, or 8% of the city’s $46,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Schell City 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.

Schell City MBR-HAI 240.4 Highly Affordable
Rank in Missouri 70 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 $57,500 U.S. Census Bureau

Schell City is 124.7 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Schell City Mortgage Rates

What It Takes to Buy in Schell City

$314/mo
Principal & Interest
Median home, 20% down, 7.26%
$13,500
Income Needed
To keep the payment at 28% of income
$46,250
Median Household Income
Missouri: $70,702
1.2x
Price-to-Income Ratio
Missouri: 3.3x
$450/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$860/yr
Median Property Tax
1.50% of median value
45.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
11.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Schell City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Schell City, Missouri score: 240.4 (Highly Affordable), ranked 70 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/schell-city”