In Excelsior Springs, a typical home is worth $186,800 and typical rent is $975 a month. Compared with all of Clay County, the typical home value is 32% lower and typical rent is 22% lower.
Typical home value from Zillow, September 2021 to September 2026: from $172,559 to $224,904.
Typical rent
$1,391a month
Typical rent from Zillow, March 2026 to September 2026: from $1,319 to $1,391.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Excelsior Springs is in Clay 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 Clay County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Excelsior Springs is worth $186,800,32% less than in Clay County as a whole ($275,600).
2
Nearby, in Richmond, the typical rent is $722: 26% less than in Excelsior Springs ($975).
3
Nearby, in Richmond, the typical home value is $142,600: 24% less than in Excelsior Springs ($186,800).
4
The typical rent in Excelsior Springs is $975 a month, 22% less than in Clay County as a whole ($1,243).
5
The typical household income in Excelsior Springs is $72,609,18% less than in Clay County as a whole ($88,468).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Excelsior Springs
What homes there are in Excelsior 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Excelsior Springs
Clay County
Missouri
United States
Kind of home: Excelsior Springs and its comparisons
Measure
Excelsior Springs
Clay County
Missouri
United States
Detached house
74%
71%
71%
61%
Attached house
Unreliable estimate
5%
4%
6%
Building of 2 to 4
Unreliable estimate
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
17%
13%
19%
Mobile home
Unreliable estimate
2%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Clay County, most homes in Excelsior Springs are detached houses (74%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Excelsior Springs
Clay County
Missouri
United States
Year built: Excelsior Springs and its comparisons
Measure
Excelsior Springs
Clay County
Missouri
United States
Before 1960
32%
18%
27%
26%
1960–1979
32%
24%
25%
24%
1980–1999
18%
25%
25%
25%
2000–2009
14%
18%
13%
14%
2010 or later
Unreliable estimate
15%
10%
11%
Homes in Excelsior Springs are older: the typical year built is 1969; in Clay County, 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K9%
$100K–$200K47%
$200K–$300K26%
$300K–$500K16%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Excelsior Springs and its comparisons
Measure
Excelsior Springs
Under $100K
9%
$100K–$200K
47%
$200K–$300K
26%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Excelsior Springs sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99942%
$1,000–$1,49930%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Excelsior Springs and its comparisons
Measure
Excelsior Springs
Under $500
Unreliable estimate
$500–$999
42%
$1,000–$1,499
30%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,415 a month
Clay County: $1,757 a month
Without a mortgage
$569 a month
Clay County: $681 a month
Owners with a mortgage
61%
Clay County: 69%
In Excelsior Springs, 61% of owners have a mortgage, and their typical cost is $1,415 a month, against $1,757 in Clay County. Without one it drops to $569.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Excelsior Springs+38%
Clay County+58%
Missouri+47%
United States+53%
Typical rent
Excelsior Springs+42%
Clay County+29%
Missouri+25%
United States+33%
Typical household income
Excelsior Springs+47%
Clay County+26%
Missouri+28%
United States+29%
Change since 2015–2019: Excelsior Springs and its comparisons
Measure
Excelsior Springs
Clay County
Missouri
United States
Typical home value
+38%
+58%
+47%
+53%
Typical rent
+42%
+29%
+25%
+33%
Typical household income
+47%
+26%
+28%
+29%
Homes in Excelsior Springs gained value more slowly than in Clay County: 38% since 2015–2019, against 58%.
The typical rent in Excelsior Springs rose 42% over the same time; in Clay County, it rose 29%.
The typical household income in Excelsior Springs rose 47%: more than home values (+38%) and rent (+42%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Excelsior Springs and its comparisons
Measure
Excelsior Springs
Clay County
Missouri
United States
Rental vacancy
Unreliable estimate
4.1%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.5%
1.7%
3.4%
People per household
2.63
2.50
2.40
2.53
Drive alone
76%
75%
75%
69%
Carpool
11%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
8%
16%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Excelsior Springs has 2.63 people, more than in Clay County (2.50).
In Excelsior Springs, 11% of workers share a car to get to work; in Clay County, 7%.
Do the math
What would you pay each month for a home in Excelsior Springs?
A typical home is within reach of the typical income
We start with a typical home in Excelsior Springs, worth $186,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Excelsior Springs, which is $72,609 a year.
The calculator's FHA and conventional loan limits are those of all of Clay County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Excelsior Springs. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,538 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,565
at 7.18% · 30 years
Loan amount
$183,417
Total interest
$263,893
Paid off in
November 2056
Includes $3,155 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,694 a month
Your payment · 26%
Tight
$1,694 to $2,178 a month
Hard
more than $2,178 a month
Compared with the typical household income in Excelsior Springs ($72,609 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,243
Property tax
$162
Home insurance
$78
FHA mortgage insurance (MIP)
$83
You need at least $6,538 for the down payment, plus closing costs.
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.
Total monthly payment $1,565; principal and interest $1,243.
The city and its county
Excelsior Springs and Clay County
Excelsior Springs is in Clay 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).
Excelsior Springs
Map of Clay County, Missouri, with Excelsior Springs marked. Around it, the neighboring counties.
Excelsior Springs
Clay County
Other cities with a page
Excelsior Springs's own numbers
Typical home value
$186,800
Typical monthly rent
$975
Typical yearly household income
$72,609
Households that own their home
68%
Effective property tax rate
1.04%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clay 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)
+54%
Homes in a high flood-risk zone
0.7%
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 Clay County.
A typical home in Excelsior Springs is worth $186,800: 32% below the county and 19% below Missouri. With the typical household income in Excelsior Springs ($72,609 a year), a typical home costs 2.6 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.
Excelsior Springs2.6 years
Clay3.1 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clay County
According to FHFA’s house price index, home prices in Clay County rose 108% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clay County.
Yearly change in FHFA’s price index in Clay County, 2016 to 2025
2016: +5.5% +5.5% 2016
2017: +7.3% +7.3% 2017
2018: +7.6% +7.6% 2018
2019: +5.6% +5.6% 2019
2020: +5.4% +5.4% 2020
2021: +12.4% +12.4% 2021
2022: +15.7% +15.7% 2022
2023: +9.1% +9.1% 2023
2024: +6.5% +6.5% 2024
2025: +1.8% +1.8% 2025
Change in FHFA’s price index in Clay County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+1.8%
+3.7%
+2.9%
5 years (2020–2025)
+54%
+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
Excelsior Springs next to Clay 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
Excelsior Springs$186,800
Clay$275,600
Missouri$230,300
United States$332,700
Typical monthly rent
Excelsior Springs$975
Clay$1,243
Missouri$1,033
United States$1,413
Typical yearly household income
Excelsior Springs$72,609
Clay$88,468
Missouri$70,702
United States$80,734
See the full table
Excelsior Springs next to Clay County and Missouri
Measure
Excelsior Springs
Clay County
Missouri
U.S.
Typical home value
$186,800 ▼32% below the county
$275,600
$230,300
$332,700
Typical monthly rent
$975 ▼22% below the county
$1,243
$1,033
$1,413
Typical yearly household income
$72,609 ▼18% below the county
$88,468
$70,702
$80,734
Households that own their home
68% ▼1 points below the county
69%
68%
65%
Typical yearly property tax
$1,945 ▼34% below the county
$2,941
$1,948
$3,119
Effective property tax rate
1.04% ▼0.03 points below the county
1.07%
0.85%
0.94%
Renters with high rent for their income
43% ▼2 points below the county
45%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clay 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 Excelsior Springs
For a typical $186,800 home in Excelsior Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Excelsior Springs's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,565a month
Least cash to close
Down payment
$6,538
Cash to close
$12,142
Rate
7.18%
Mortgage insurance
FHA MIP · $83
Conventional, 5% down$1,531a month
Down payment
$9,340
Cash to close
$14,944
Rate
7.18%
Mortgage insurance
PMI · $89
Conventional, 20% down, no PMI$1,252a month
Down payment
$37,360
Cash to close
$42,964
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,425a month
Down payment
$28,020
Cash to close
$33,624
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Excelsior Springs
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,565
$6,538
$183,417
7.18%
FHA MIP · $83
$12,142
580
Conventional, 5% down
$1,531
$9,340
$177,460
7.18%
PMI · $89
$14,944
620*
Conventional, 20% down, no PMI
$1,252
$37,360
$149,440
7.18%
None
$42,964
620*
ITIN, 15% down (example)
$1,425
$28,020
$158,780
8.18%
None
$33,624
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Excelsior Springs and for Clay County.
Property tax
Effective rate in Excelsior Springs
1.04%of the home’s value each year
$1,945 a year for the typical owner in Excelsior Springs.
Excelsior Springs1.04%
Clay1.07%
Missouri0.85%
What Missouri publishesDeadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))
Typical rent in Excelsior Springs is $975 a month: 22% below the county. In Excelsior Springs, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clay 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clay County (Fiscal year 2027)
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 Excelsior Springs
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Excelsior Springs is in ZIP code 64024.
For 2 bedrooms it is $1,240: $306 less than the fair market rent for Clay County ($1,546).
Fair market rent by ZIP code and size in Excelsior Springs, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
64024
$1,010
$1,100
$1,240
$1,620
$1,940
ZIP code2 bd3 bd
64024 $1,240$1,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Excelsior 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 16 buildings with rents for lower incomes in Excelsior Springs. These are the largest.
Ruey -Anna & Northwind320 W Excelsior St, Excelsior Springs 64024166 homes, 160 low-income · Run by Excelsior Springs Housing Authority · Average payment: $412 a month · Average wait: 8 months(816) 630-7361
Colony Plaza404 Saint Louis Ave, Excelsior Springs 64024111 homes, 110 low-income · 1 bd: 107 · In service since 2001 · For older adults(816) 630-6600
Excelsior Village I2000 W Jesse James Rd, Excelsior Springs 64024120 homes, 65 low-income · For families(816) 630-3713
Oaks Apts117 South St, Excelsior Springs 6402440 low-income homes · 1 bd: 38 · 2 bd: 2 · In service since 2007 · For older adults, people with disabilities
Villas Downtown201 E Excelsior St, Excelsior Springs 6402439 homes, 38 low-income · In service since 2012 · For people with disabilities, families
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.
We found no HUD-approved agencies with an office in Clay County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Excelsior Springs or Clay County. The ones below are statewide in Missouri: they work in Excelsior Springs the same as in the rest of the state.
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).
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).
The HUD-approved agencies closest to the center of Excelsior Springs, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Excelsior Springs or Clay County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Excelsior Springs and all of Clay 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 Excelsior Springs?
The typical home value in Excelsior Springs is $186,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clay County it is $275,600.
How much does it cost to rent in Excelsior Springs?
Typical rent in Excelsior Springs is $975 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clay County is $1,546.
What is the FHA loan limit in Excelsior Springs?
Excelsior Springs uses the FHA limit for all of Clay 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 Excelsior Springs?
The typical homeowner in Excelsior Springs pays $1,945 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Clay County, the rate is 1.07%.
Where can I find free help to buy or rent in Excelsior Springs?
We found no HUD-approved counseling agencies with an office in Clay County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
