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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

Umber View Heights, MO Housing Affordability Index

Umber View Heights, Missouri has an MBR Housing Affordability Index score of 101.7 (Near National Average) as of October 30, 2026, ranking 782nd most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $278,600 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,522, or 34% of the city’s $53,958 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Umber View Heights 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.

Umber View Heights MBR-HAI 101.7 Near National Average
Rank in Missouri 782 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 $278,600 U.S. Census Bureau

Umber View Heights is 14.0 points below the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Umber View Heights Mortgage Rates

What It Takes to Buy in Umber View Heights

$1,522/mo
Principal & Interest
Median home, 20% down, 7.26%
$65,200
Income Needed
To keep the payment at 28% of income
$53,958
Median Household Income
Missouri: $70,702
5.2x
Price-to-Income Ratio
Missouri: 3.3x
$600/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,321/yr
Median Property Tax
0.47% of median value
81.8%
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 Umber View Heights, Missouri. The rate is the Missouri average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Umber View Heights Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Umber View Heights, Missouri score: 101.7 (Near National Average), ranked 782 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/umber-view-heights”