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 7.03% (30-yr fixed), including Missouri property tax and insurance. Data through 2026-08.

1. Jennings — typical home $70K, income to buy about $21,000/yr
2. Bellefontaine Neighbors — typical home $102K, income to buy about $30,000/yr
3. Kennett — typical home $115K, income to buy about $34,000/yr
4. Ferguson — typical home $116K, income to buy about $34,000/yr
5. Spanish Lake — typical home $149K, income to buy about $44,000/yr
6. Overland — typical home $154K, income to buy about $45,000/yr
7. Kirksville — typical home $156K, income to buy about $46,000/yr
8. Moberly — typical home $162K, income to buy about $48,000/yr
9. Hazelwood — typical home $163K, income to buy about $48,000/yr
10. Sikeston — typical home $164K, income to buy about $48,000/yr
11. Lemay — typical home $171K, income to buy about $50,000/yr
12. Poplar Bluff — typical home $176K, income to buy about $52,000/yr
13. Hannibal — typical home $178K, income to buy about $52,000/yr
14. Mexico — typical home $186K, income to buy about $55,000/yr
15. Marshall — typical home $188K, income to buy about $55,000/yr
16. Sedalia — typical home $190K, income to buy about $56,000/yr
17. Florissant — typical home $195K, income to buy about $58,000/yr
18. Joplin — typical home $207K, income to buy about $61,000/yr
19. Raytown — typical home $210K, income to buy about $62,000/yr
20. Independence — typical home $213K, income to buy about $63,000/yr
21. Cape Girardeau — typical home $222K, income to buy about $65,000/yr
22. Grandview — typical home $223K, income to buy about $66,000/yr
23. Maryville — typical home $227K, income to buy about $67,000/yr
24. West Plains — typical home $228K, income to buy about $67,000/yr
25. Excelsior Springs — typical home $228K, income to buy about $67,000/yr

At the other end, Missouri's priciest markets: Town and Country ($350,000/yr), Clayton ($262,000/yr), Creve Coeur ($184,000/yr), Wildwood ($172,000/yr), Chesterfield ($170,000/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.

i wanna buy a house .com — type a city, see its market, find out what you can afford.