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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Missouri residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Missouri, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Old Jamestown, Missouri
- Payment to income ratio: 20.1%
- Median sale price: $281,408
- Median household income: $107,250
- Income needed to buy: $71,861
- Median monthly mortgage payment: $1,797
- See homes for sale in Old Jamestown on

#2. Florissant, Missouri
- Payment to income ratio: 21.7%
- Median sale price: $188,173
- Median household income: $66,344
- Income needed to buy: $48,052
- Median monthly mortgage payment: $1,201
- See homes for sale in Florissant on

#3. Crestwood, Missouri
- Payment to income ratio: 22.7%
- Median sale price: $341,682
- Median household income: $115,512
- Income needed to buy: $87,253
- Median monthly mortgage payment: $2,181
- See homes for sale in Crestwood on

#4. Overland, Missouri
- Payment to income ratio: 22.9%
- Median sale price: $172,960
- Median household income: $57,755
- Income needed to buy: $44,168
- Median monthly mortgage payment: $1,104
- See homes for sale in Overland on

#5. Lemay, Missouri
- Payment to income ratio: 23.6%
- Median sale price: $181,998
- Median household income: $59,026
- Income needed to buy: $46,476
- Median monthly mortgage payment: $1,162
- See homes for sale in Lemay on

#6. St. Ann, Missouri
- Payment to income ratio: 23.8%
- Median sale price: $161,746
- Median household income: $52,059
- Income needed to buy: $41,304
- Median monthly mortgage payment: $1,033
- See homes for sale in St. Ann on

#7. Excelsior Springs, Missouri
- Payment to income ratio: 24.6%
- Median sale price: $238,170
- Median household income: $74,056
- Income needed to buy: $60,820
- Median monthly mortgage payment: $1,520
- See homes for sale in Excelsior Springs on

#8. Raytown, Missouri
- Payment to income ratio: 24.8%
- Median sale price: $217,211
- Median household income: $67,227
- Income needed to buy: $55,468
- Median monthly mortgage payment: $1,387
- See homes for sale in Raytown on

#9. Affton, Missouri
- Payment to income ratio: 24.8%
- Median sale price: $250,632
- Median household income: $77,337
- Income needed to buy: $64,002
- Median monthly mortgage payment: $1,600
- See homes for sale in Affton on

#10. Wentzville, Missouri
- Payment to income ratio: 26.0%
- Median sale price: $377,487
- Median household income: $111,409
- Income needed to buy: $96,396
- Median monthly mortgage payment: $2,410
- See homes for sale in Wentzville on

#11. Dardenne Prairie, Missouri
- Payment to income ratio: 26.0%
- Median sale price: $527,947
- Median household income: $155,585
- Income needed to buy: $134,818
- Median monthly mortgage payment: $3,370
- See homes for sale in Dardenne Prairie on

#12. Maryland Heights, Missouri
- Payment to income ratio: 26.2%
- Median sale price: $295,699
- Median household income: $86,485
- Income needed to buy: $75,510
- Median monthly mortgage payment: $1,888
- See homes for sale in Maryland Heights on

#13. Oakville, Missouri
- Payment to income ratio: 26.8%
- Median sale price: $360,877
- Median household income: $103,125
- Income needed to buy: $92,155
- Median monthly mortgage payment: $2,304
- See homes for sale in Oakville on

#14. O'Fallon, Missouri
- Payment to income ratio: 27.0%
- Median sale price: $377,386
- Median household income: $107,203
- Income needed to buy: $96,370
- Median monthly mortgage payment: $2,409
- See homes for sale in O'Fallon on

#15. Ballwin, Missouri
- Payment to income ratio: 27.2%
- Median sale price: $430,620
- Median household income: $121,170
- Income needed to buy: $109,964
- Median monthly mortgage payment: $2,749
- See homes for sale in Ballwin on

#16. Hazelwood, Missouri
- Payment to income ratio: 27.3%
- Median sale price: $199,026
- Median household income: $55,930
- Income needed to buy: $50,824
- Median monthly mortgage payment: $1,271
- See homes for sale in Hazelwood on

#17. Union, Missouri
- Payment to income ratio: 27.5%
- Median sale price: $257,330
- Median household income: $71,760
- Income needed to buy: $65,712
- Median monthly mortgage payment: $1,643
- See homes for sale in Union on

#18. Raymore, Missouri
- Payment to income ratio: 27.5%
- Median sale price: $370,760
- Median household income: $103,158
- Income needed to buy: $94,678
- Median monthly mortgage payment: $2,367
- See homes for sale in Raymore on

#19. Arnold, Missouri
- Payment to income ratio: 27.6%
- Median sale price: $270,533
- Median household income: $75,194
- Income needed to buy: $69,084
- Median monthly mortgage payment: $1,727
- See homes for sale in Arnold on

#20. Lake St. Louis, Missouri
- Payment to income ratio: 28.1%
- Median sale price: $452,283
- Median household income: $123,427
- Income needed to buy: $115,496
- Median monthly mortgage payment: $2,887
- See homes for sale in Lake St. Louis on