Housing affordability index in Missouri
Housing affordability index in Missouri: puts one number on the housing question: 18.4% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
18.4%
principal + interest
Monthly payment
$1,037
on a $199,621 home
Median income
$67,554
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Camden County | 25.9% | $1,292 |
| 2 | Carter County | 24.7% | $941 |
| 3 | Stone County | 23.5% | $1,145 |
| 4 | Ozark County | 22.7% | $741 |
| 5 | Morgan County | 22.3% | $906 |
| 6 | Boone County | 22.2% | $1,234 |
| 7 | Cedar County | 21.8% | $793 |
| 8 | Maries County | 21.8% | $1,025 |
| 9 | Greene County | 20.7% | $949 |
| 10 | Johnson County | 20.6% | $1,073 |
| 11 | St. Louis city | 20.5% | $904 |
| 12 | Hickory County | 20.4% | $566 |
| 13 | Phelps County | 20.4% | $904 |
| 14 | Wright County | 20.3% | $735 |
| 15 | Ste. Genevieve County | 20.1% | $1,026 |
| 16 | Taney County | 20% | $909 |
| 17 | St. Louis County | 19.9% | $1,295 |
| 18 | Polk County | 19.6% | $892 |
| 19 | Douglas County | 19.4% | $773 |
| 20 | Platte County | 19.4% | $1,496 |
| 21 | Benton County | 19.2% | $804 |
| 22 | Laclede County | 19.2% | $788 |
| 23 | Miller County | 19.2% | $857 |
| 24 | Howell County | 19% | $735 |
| 25 | Christian County | 18.9% | $1,190 |
| 26 | Shannon County | 18.9% | $735 |
| 27 | Jackson County | 18.8% | $1,023 |
| 28 | Dallas County | 18.7% | $724 |
| 29 | Warren County | 18.7% | $1,179 |
| 30 | Cape Girardeau County | 18.6% | $1,009 |
| 31 | Crawford County | 18.6% | $813 |
| 32 | Cass County | 18.3% | $1,259 |
| 33 | Dade County | 18.3% | $714 |
| 34 | Nodaway County | 18.2% | $817 |
| 35 | Perry County | 18.2% | $934 |
| 36 | St. Clair County | 18.1% | $657 |
| 37 | Clay County | 18% | $1,232 |
| 38 | Adair County | 17.9% | $762 |
| 39 | Franklin County | 17.9% | $1,048 |
| 40 | Barry County | 17.8% | $826 |
| 41 | Pulaski County | 17.7% | $921 |
| 42 | Webster County | 17.7% | $961 |
| 43 | Texas County | 17.6% | $627 |
| 44 | Butler County | 17.5% | $689 |
| 45 | Clinton County | 17.5% | $972 |
| 46 | Cole County | 17.5% | $1,033 |
| 47 | Bates County | 17.4% | $786 |
| 48 | Henry County | 17.4% | $798 |
| 49 | St. Charles County | 17.4% | $1,446 |
| 50 | Lawrence County | 17.4% | $757 |
| 51 | Oregon County | 17.4% | $601 |
| 52 | Montgomery County | 17.2% | $842 |
| 53 | Monroe County | 16.9% | $710 |
| 54 | Cooper County | 16.8% | $874 |
| 55 | Newton County | 16.8% | $846 |
| 56 | Jasper County | 16.7% | $766 |
| 57 | St. Francois County | 16.6% | $736 |
| 58 | Callaway County | 16.3% | $957 |
| 59 | Jefferson County | 16.3% | $1,052 |
| 60 | Osage County | 16.2% | $951 |
| 61 | Pettis County | 16.2% | $779 |
| 62 | Buchanan County | 16% | $777 |
| 63 | Wayne County | 16% | $571 |
| 64 | Andrew County | 15.9% | $911 |
| 65 | Randolph County | 15.9% | $681 |
| 66 | Gasconade County | 15.8% | $826 |
| 67 | Pemiscot County | 15.8% | $493 |
| 68 | McDonald County | 15.7% | $609 |
| 69 | Lincoln County | 15.6% | $1,074 |
| 70 | Caldwell County | 15.3% | $744 |
| 71 | Ripley County | 15.2% | $539 |
| 72 | Scott County | 15.2% | $690 |
| 73 | Ray County | 15.1% | $879 |
| 74 | Marion County | 15.1% | $784 |
| 75 | Moniteau County | 15.1% | $842 |
| 76 | Barton County | 15% | $600 |
| 77 | Reynolds County | 15% | $547 |
| 78 | Dent County | 14.9% | $640 |
| 79 | Howard County | 14.9% | $732 |
| 80 | Vernon County | 14.9% | $664 |
| 81 | Lafayette County | 14.9% | $971 |
| 82 | Stoddard County | 14.8% | $639 |
| 83 | Livingston County | 14.8% | $726 |
| 84 | Bollinger County | 14.7% | $641 |
| 85 | DeKalb County | 14.7% | $833 |
| 86 | Madison County | 14.7% | $661 |
| 87 | Clark County | 14.6% | $647 |
| 88 | Saline County | 14.6% | $673 |
| 89 | Scotland County | 14.5% | $709 |
| 90 | Ralls County | 14.4% | $750 |
| 91 | Washington County | 14.2% | $583 |
| 92 | Mississippi County | 14.1% | $481 |
| 93 | Daviess County | 13.9% | $693 |
| 94 | Grundy County | 13.6% | $578 |
| 95 | Audrain County | 13.5% | $583 |
| 96 | Gentry County | 13.4% | $599 |
| 97 | Macon County | 13.3% | $602 |
| 98 | Pike County | 13.3% | $593 |
| 99 | New Madrid County | 13.2% | $485 |
| 100 | Holt County | 13.1% | $600 |
| 101 | Lewis County | 13.1% | $543 |
| 102 | Dunklin County | 13% | $485 |
| 103 | Iron County | 12.8% | $568 |
| 104 | Worth County | 12.6% | $458 |
| 105 | Schuyler County | 12.3% | $552 |
| 106 | Chariton County | 12.2% | $628 |
| 107 | Putnam County | 12.2% | $517 |
| 108 | Mercer County | 11.8% | $544 |
| 109 | Harrison County | 11.5% | $498 |
| 110 | Linn County | 11.5% | $559 |
| 111 | Knox County | 11.3% | $462 |
| 112 | Carroll County | 11.1% | $548 |
| 113 | Sullivan County | 10.7% | $475 |
| 114 | Shelby County | 10.6% | $446 |
| 115 | Atchison County | 10.2% | $499 |
Methodology
Every county figure for Missouri uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.