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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

Shelbina, MO Housing Affordability Index

Shelbina, Missouri has an MBR Housing Affordability Index score of 182.5 (Highly Affordable) as of October 30, 2026, ranking 249th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $86,200 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $471, or 12% of the city’s $47,500 median household income.

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

Shelbina MBR-HAI 182.5 Highly Affordable
Rank in Missouri 249 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 $86,200 U.S. Census Bureau

Shelbina is 66.8 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Shelbina Mortgage Rates

What It Takes to Buy in Shelbina

$471/mo
Principal & Interest
Median home, 20% down, 7.26%
$20,200
Income Needed
To keep the payment at 28% of income
$47,500
Median Household Income
Missouri: $70,702
1.8x
Price-to-Income Ratio
Missouri: 3.3x
$739/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$881/yr
Median Property Tax
1.02% of median value
13.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
25.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Shelbina Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Shelbina, Missouri score: 182.5 (Highly Affordable), ranked 249 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/shelbina”