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City · 59,965 residents · Jackson County, Missouri

Blue Springs , Missouri

In Blue Springs, a typical home is worth $263,100 and typical rent is $1,277 a month. Compared with all of Jackson County, typical household income is 30% higher, the typical home value is 14% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $263,100

    14% above the county

    14% above Missouri

    • Blue Springs
    • Jackson
    • Missouri

  • Typical rent

    $1,277a month

    7% above the county

    24% above Missouri

    • Blue Springs
    • Jackson
    • Missouri

  • Typical household income

    $88,920a year

    30% above the county

    26% above Missouri

    • Blue Springs
    • Jackson
    • Missouri

  • Households that own their home

    69%

    10 points above the county

    1 points above Missouri

    • Blue Springs
    • Jackson
    • Missouri

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$309,342
2.2% more than 12 months ago
Typical rent
$1,748 a month
2.7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Blue Springs is in Jackson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Blue Springs apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Independence, the typical home value is $172,900: 34% less than in Blue Springs ($263,100).

  2. The typical household income in Blue Springs is $88,920, 30% more than in Jackson County as a whole ($68,577).

  3. Nearby, in Oak Grove, the typical rent is $1,044: 18% less than in Blue Springs ($1,277).

  4. 69% of households in Blue Springs own their home, against 59% in Jackson County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Blue Springs

What homes there are in Blue Springs, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Blue Springs: 70% of homes, more than in Jackson County (66%).

Year built

Here half of the homes date from 1986 or later; in Jackson County, from 1970 or later.

There is more room for a big family here: 73% of homes have 3 bedrooms or more, against 58% in Jackson County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 96% of owner-occupied homes in Blue Springs are worth less than the FHA loan limit for Jackson County ($541,287).

Monthly rent with utilities

With a mortgage

$1,699 a month

Jackson County: $1,639 a month

Without a mortgage

$682 a month

Jackson County: $626 a month

Owners with a mortgage

69%

Jackson County: 62%

Owning costs about the same in Blue Springs as in Jackson County: with a mortgage, $1,699 a month; without one, $682.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Jackson County, the typical home value in Blue Springs rose 59% since 2015–2019.

Much as in Jackson County, the typical rent in Blue Springs rose 32% since 2015–2019.

The typical household income in Blue Springs rose 17%: less than home values (+59%) and rent (+32%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBlue SpringsJackson CountyMissouriUnited States
Rental vacancy Unreliable estimate4.0%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%0.9%0.9%
More than one person per room Unreliable estimate2.0%1.7%3.4%
People per household 2.612.312.402.53
Drive alone 79%73%75%69%
Carpool 5%7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 15%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Blue Springs has 2.61 people, more than in Jackson County (2.31).

In Blue Springs, 79% of workers drive alone to work; in Jackson County, 73%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Blue Springs?

A typical home is tight for the typical income

We start with a typical home in Blue Springs, worth $263,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Blue Springs, which is $88,920 a year. For that payment to be 28% of income, a household would need to earn about $96,527 a year.

The calculator's FHA and conventional loan limits are those of all of Jackson County.

Your numbers

Local data
$

Starts at the typical home value in Blue Springs. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,209 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,252

at 7.18% · 30 years

Loan amount
$258,334
Total interest
$371,682
Paid off in
November 2056

Includes $4,443 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,075 a month

  • Tight

    $2,075 to $2,668 a month

    Your payment · 30%

  • Hard

    more than $2,668 a month

Compared with the typical household income in Blue Springs ($88,920 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,252
Principal & interest$1,750
Property tax$276
Home insurance$110
FHA mortgage insurance (MIP)$116

You need at least $9,209 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Blue Springs and Jackson County

Blue Springs is in Jackson County, Missouri. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Blue Springs's own numbers

Typical home value
$263,100
Typical monthly rent
$1,277
Typical yearly household income
$88,920
Households that own their home
69%
Effective property tax rate
1.26%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Jackson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
0.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jackson County.

Everything about Jackson County

Buying

Buying a home in Blue Springs

A typical home in Blue Springs is worth $263,100: 14% above the county and 14% above Missouri. With the typical household income in Blue Springs ($88,920 a year), a typical home costs 3.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Blue Springs 3.0 years
  • Jackson 3.4 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 108% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Jackson County.

Period County Missouri U.S.
Last year (2025) +3.2% +3.7% +2.9%
5 years (2020–2025) +49% +51% +47%
10 years (2015–2025) +108% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Blue Springs next to Jackson County, Missouri and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Blue Springs $263,100
  • Jackson $230,500
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Blue Springs $1,277
  • Jackson $1,197
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Blue Springs $88,920
  • Jackson $68,577
  • Missouri $70,702
  • United States $80,734
See the full table
Blue Springs next to Jackson County and Missouri
Measure Blue Springs Jackson County Missouri U.S.
Typical home value $263,100 $230,500 $230,300 $332,700
Typical monthly rent $1,277 $1,197 $1,033 $1,413
Typical yearly household income $88,920 $68,577 $70,702 $80,734
Households that own their home 69% 59% 68% 65%
Typical yearly property tax $3,324 $2,575 $1,948 $3,119
Effective property tax rate 1.26% 1.12% 0.85% 0.94%
Renters with high rent for their income 38% 51% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jackson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Blue Springs

For a typical $263,100 home in Blue Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Blue Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,252a month

    Least cash to close
    Down payment
    $9,209
    Cash to close
    $17,102
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $116

  • Conventional, 5% down $2,204a month

    Down payment
    $13,155
    Cash to close
    $21,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $125

  • Conventional, 20% down, no PMI $1,812a month

    Down payment
    $52,620
    Cash to close
    $60,513
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,055a month

    Down payment
    $39,465
    Cash to close
    $47,358
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Blue Springs and for Jackson County.

Property tax

Effective rate in Blue Springs

1.26%of the home’s value each year

$3,324 a year for the typical owner in Blue Springs.

  • Blue Springs 1.26%
  • Jackson 1.12%
  • Missouri 0.85%

What Missouri publishes Deadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))

Exemptions and deadlines in Missouri

Flood risk in Jackson County

FEMA does not publish these numbers by city: they are for all of Jackson County.

Homes in the high-risk zone
0.4%
1,068
Of those, with NFIP insurance
31%
County Missouri U.S.
Homes in the high-risk zone 0.4% 1.6% 3.5%
Of those, with NFIP insurance 31% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Blue Springs

Typical rent in Blue Springs is $1,277 a month: 7% above the county. In Blue Springs, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 an hour working full time.

HUD fair market rent for all of Jackson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,257 $24.17 $50,280
1 bedroom $1,366 $26.27 $54,640
2 bedrooms $1,546 $29.73 $61,840
3 bedrooms $2,020 $38.85 $80,800
4 bedrooms $2,419 $46.52 $96,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Blue Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Blue Springs has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,470 in 64015 to $1,650 in 64014.

1 of the 2 is above the fair market rent for Jackson County ($1,546).

  • 64014 $1,650$2,160
  • 64015 $1,470$1,920

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Blue Springs when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Blue Springs

HUD lists 6 buildings with rents for lower incomes in Blue Springs. These are the largest.

  • Villas at Autumn Bend 1610 SW Martin Dr, Blue Springs 64015 150 homes, 145 low-income · 2 bd: 58 · 3 bd: 92 · In service since 2007 · For families
  • Windemere I 508 NE 5th St, Blue Springs 64014 76 low-income homes · 2 bd: 38 · 3 bd: 38 · In service since 1992
  • Brookwood Village 502 NE Knox Pl, Blue Springs 64014 72 low-income homes · 2 bd: 36 · 3 bd: 36 · In service since 1994
  • Villas of Autumn Bend, the 1620 SW 9th St, Blue Springs 64015 150 homes, 66 low-income · For families (816) 229-1106
  • Friendship Manor 917 NW Summit St, Blue Springs 64015 60 homes, 59 low-income · 1 bd: 60 · In service since 2018 · For older adults (816) 228-5400

See all 454 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Blue Springs

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Jackson County; 2 say they serve in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Blue Springs

No down payment, repair or rent-help program on our list is for Blue Springs or Jackson County. The ones below are statewide in Missouri: they work in Blue Springs the same as in the rest of the state.

Which programs do I qualify for? All programs in Missouri

  • First Place Loan Program

    Statewide in Missouri

    Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs. Offered by Missouri Housing Development Commission (MHDC).

    Type not stated

    See the program Official page

  • Next Step Program

    Statewide in Missouri

    Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years. Offered by Missouri Housing Development Commission (MHDC).

    Forgivable

    See the program Official page

Housing counselors near Blue Springs

The HUD-approved agencies closest to the center of Blue Springs, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Services League

    404 N Noland Rd, Independence · 10 miles away

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 4 more
    (816) 254-4100

  • Habitat for Humanity of Kansas City

    1423 E Linwood Blvd, Kansas City · 17 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (816) 924-1096

  • Credit & Homeownership Empowerment Services, Inc.

    3115 Gillham Plz, Kansas City · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (816) 533-7417

Every agency in Jackson County All counseling agencies in Missouri

Help in Spanish near Blue Springs

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Blue Springs

In HUD’s record, no housing authority with an office in Jackson County is named for Blue Springs or Jackson County.

3 other authorities have an office in Jackson County: see the list Source: HUD

Cities

Other cities in Jackson County

These cities are also in Jackson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Jackson County Housing in Missouri

Nearby cities

The cities closest to Blue Springs, with the typical home value.

Neighboring counties

If Jackson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Blue Springs.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Blue Springs

Short answers with the numbers for Blue Springs and all of Jackson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Blue Springs?

The typical home value in Blue Springs is $263,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $230,500.

How much does it cost to rent in Blue Springs?

Typical rent in Blue Springs is $1,277 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,546.

What is the FHA loan limit in Blue Springs?

Blue Springs uses the FHA limit for all of Jackson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Blue Springs?

The typical homeowner in Blue Springs pays $3,324 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Jackson County, the rate is 1.12%.

Where can I find free help to buy or rent in Blue Springs?

There are 4 HUD-approved counseling agencies with an office in Jackson County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).