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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

Sunrise Beach, MO Housing Affordability Index

Sunrise Beach, Missouri has an MBR Housing Affordability Index score of 121.0 (Highly Affordable) as of October 30, 2026, ranking 664th most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $207,100 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,131, or 24% of the city’s $55,625 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Sunrise Beach 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.

Sunrise Beach MBR-HAI 121.0 Highly Affordable
Rank in Missouri 664 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 $207,100 U.S. Census Bureau

Sunrise Beach is 5.3 points above the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Sunrise Beach Mortgage Rates

What It Takes to Buy in Sunrise Beach

$1,131/mo
Principal & Interest
Median home, 20% down, 7.26%
$48,500
Income Needed
To keep the payment at 28% of income
$55,625
Median Household Income
Missouri: $70,702
3.7x
Price-to-Income Ratio
Missouri: 3.3x
$571/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,139/yr
Median Property Tax
0.55% of median value
41.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Sunrise Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Sunrise Beach, Missouri score: 121.0 (Highly Affordable), ranked 664 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/sunrise-beach”