The most affordable cities to buy a house in Missouri (2026)

Every Missouri city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 6.76% (30-yr fixed), including Missouri property tax and insurance. Data through 2026-07.

  1. Jennings — typical home $70K, income to buy about $20,000/yr
  2. Bellefontaine Neighbors — typical home $102K, income to buy about $30,000/yr
  3. Kennett — typical home $115K, income to buy about $33,000/yr
  4. Ferguson — typical home $118K, income to buy about $34,000/yr
  5. Spanish Lake — typical home $150K, income to buy about $43,000/yr
  6. Overland — typical home $155K, income to buy about $45,000/yr
  7. Kirksville — typical home $159K, income to buy about $46,000/yr
  8. Sikeston — typical home $160K, income to buy about $46,000/yr
  9. Moberly — typical home $162K, income to buy about $47,000/yr
  10. Hazelwood — typical home $163K, income to buy about $47,000/yr
  11. Lemay — typical home $173K, income to buy about $50,000/yr
  12. Poplar Bluff — typical home $174K, income to buy about $50,000/yr
  13. Hannibal — typical home $177K, income to buy about $51,000/yr
  14. Sedalia — typical home $185K, income to buy about $53,000/yr
  15. Mexico — typical home $187K, income to buy about $54,000/yr
  16. Marshall — typical home $190K, income to buy about $55,000/yr
  17. Florissant — typical home $197K, income to buy about $57,000/yr
  18. Joplin — typical home $205K, income to buy about $59,000/yr
  19. Raytown — typical home $211K, income to buy about $61,000/yr
  20. Independence — typical home $214K, income to buy about $62,000/yr
  21. Cape Girardeau — typical home $220K, income to buy about $64,000/yr
  22. Grandview — typical home $223K, income to buy about $65,000/yr
  23. Webb City — typical home $226K, income to buy about $65,000/yr
  24. Excelsior Springs — typical home $228K, income to buy about $66,000/yr
  25. Maryville — typical home $228K, income to buy about $66,000/yr

At the other end, Missouri's priciest markets: Town and Country ($345,000/yr), Clayton ($259,000/yr), Creve Coeur ($181,000/yr), Wildwood ($170,000/yr), Chesterfield ($168,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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