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

Town and Country, MO Housing Affordability Index

Town and Country, Missouri has an MBR Housing Affordability Index score of 95.8 (Near National Average) as of October 30, 2026, ranking 803rd most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $928,500 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $5,072, or 26% of the city’s $232,534 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Town and Country 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.

Town and Country MBR-HAI 95.8 Near National Average
Rank in Missouri 803 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 $928,500 U.S. Census Bureau

Town and Country is 19.9 points below the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Town and Country Mortgage Rates

See What You Can Afford in Town and Country, Missouri

Use this Town and Country, Missouri home affordability calculator to see how much house you can afford at today’s Missouri average 30-year mortgage rate of 7.26%. A household earning the Town and Country median income of $232,534, with no other debts and $186,000 down, can afford a home of about $825,444, compared with a median home value of $928,500. Buying the median priced home with 20% down takes a household income of about $268,400 once property tax and insurance are counted.

Town and Country median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Missouri average, 30-year fixed
Town and Country median bill (Census)
Estimate; use your quote
You can afford a home up to
$825,444
Below the Town and Country median home value of $928,500
Loan amount$639,444
Principal & interest$4,366/mo
Property tax$715/mo
Home insurance$344/mo
PMI$0/mo
Total monthly payment$5,426/mo
Compare Town and Country Mortgage Rates

How much house can you afford in Town and Country?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Town and Country, property taxes run about 1.04% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $13,160 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Town and Country

$5,072/mo
Principal & Interest
Median home, 20% down, 7.26%
$217,400
Income Needed
To keep principal and interest at 28% of income
$232,534
Median Household Income
Missouri: $70,702
4.0x
Price-to-Income Ratio
Missouri: 3.3x
$2,891/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,629/yr
Median Property Tax
1.04% of median value
28.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Town and Country Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Town and Country, Missouri score: 95.8 (Near National Average), ranked 803 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/town-and-country”