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City · 27,207 residents · Clay County, Missouri

Gladstone , Missouri

In Gladstone, a typical home is worth $231,500 and typical rent is $1,088 a month. Compared with all of Clay County, the typical home value is 16% lower and typical rent is 12% lower.

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  • Typical home value

    $231,500

    16% below the county

    About the same as Missouri

    • Gladstone
    • Clay
    • Missouri

  • Typical rent

    $1,088a month

    12% below the county

    5% above Missouri

    • Gladstone
    • Clay
    • Missouri

  • Typical household income

    $79,271a year

    10% below the county

    12% above Missouri

    • Gladstone
    • Clay
    • Missouri

  • Households that own their home

    68%

    1 points below the county

    About the same as Missouri

    • Gladstone
    • Clay
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$268,078
2.5% more than 12 months ago
Typical rent
$1,208 a month
3.7% more than 12 months ago

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

Gladstone 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Gladstone 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: 25% less than in Gladstone ($231,500).

  2. The typical home in Gladstone is worth $231,500, 16% less than in Clay County as a whole ($275,600).

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

The homes here

Housing in Gladstone

What homes there are in Gladstone, 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 is still the most common home in Gladstone, but it weighs less than in Clay County: 66% against 71%.

Year built

In Gladstone, half of the homes were built before 1973; in Clay County, before 1987.

In Gladstone, 12% of homes have 1 bedroom or none (studios); 64% have 3 bedrooms or more, against 69% in Clay 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

The FHA limit for Clay County is high ($541,287): at least 95% of owner-occupied homes in Gladstone are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,570 a month

Clay County: $1,757 a month

Without a mortgage

$646 a month

Clay County: $681 a month

Owners with a mortgage

60%

Clay County: 69%

The typical cost for an owner with a mortgage in Gladstone is $1,570 a month, less than in Clay County ($1,757); without one, $646.

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

From 2015–2019 to 2020–2024, home values in Gladstone rose at about the same pace as in Clay County: 60% against 58%.

The typical rent in Gladstone rose 22% over the same time; in Clay County, it rose 29%.

While home values in Gladstone changed +60% and rent +22%, the typical household income rose 34%.

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

MeasureGladstoneClay CountyMissouriUnited States
Rental vacancy Unreliable estimate4.1%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 1.8%1.5%1.7%3.4%
People per household 2.302.502.402.53
Drive alone 76%75%75%69%
Carpool 7%7%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 15%16%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Gladstone, 1.8% of households live with more than one person per room, about the same as in Clay County.

Fewer people live in each home here: 2.30 on average, against 2.50 in Clay County.

To get to work, 76% of workers in Gladstone drive alone; in Clay County, 75%.

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 Gladstone?

A typical home is tight for the typical income

We start with a typical home in Gladstone, worth $231,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Gladstone, which is $79,271 a year. For that payment to be 28% of income, a household would need to earn about $83,363 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gladstone. 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 $8,103 (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

$1,945

at 7.18% · 30 years

Loan amount
$227,306
Total interest
$327,041
Paid off in
November 2056

Includes $3,909 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,850 a month

  • Tight

    $1,850 to $2,378 a month

    Your payment · 29%

  • Hard

    more than $2,378 a month

Compared with the typical household income in Gladstone ($79,271 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,945
Principal & interest$1,540
Property tax$206
Home insurance$97
FHA mortgage insurance (MIP)$102

You need at least $8,103 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

Gladstone and Clay County

Gladstone 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).

Gladstone's own numbers

Typical home value
$231,500
Typical monthly rent
$1,088
Typical yearly household income
$79,271
Households that own their home
68%
Effective property tax rate
1.07%

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.

Everything about Clay County

Buying

Buying a home in Gladstone

A typical home in Gladstone is worth $231,500: 16% below the county and about the same as Missouri. With the typical household income in Gladstone ($79,271 a year), a typical home costs 2.9 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.

  • Gladstone 2.9 years
  • Clay 3.1 years
  • Missouri 3.3 years
  • United States 4.1 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.

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

Gladstone 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
  • Gladstone $231,500
  • Clay $275,600
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Gladstone $1,088
  • Clay $1,243
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Gladstone $79,271
  • Clay $88,468
  • Missouri $70,702
  • United States $80,734
See the full table
Gladstone next to Clay County and Missouri
Measure Gladstone Clay County Missouri U.S.
Typical home value $231,500 $275,600 $230,300 $332,700
Typical monthly rent $1,088 $1,243 $1,033 $1,413
Typical yearly household income $79,271 $88,468 $70,702 $80,734
Households that own their home 68% 69% 68% 65%
Typical yearly property tax $2,477 $2,941 $1,948 $3,119
Effective property tax rate 1.07% 1.07% 0.85% 0.94%
Renters with high rent for their income 43% 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 Gladstone

For a typical $231,500 home in Gladstone, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gladstone's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,945a month

    Least cash to close
    Down payment
    $8,103
    Cash to close
    $15,048
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $102

  • Conventional, 5% down $1,903a month

    Down payment
    $11,575
    Cash to close
    $18,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $110

  • Conventional, 20% down, no PMI $1,557a month

    Down payment
    $46,300
    Cash to close
    $53,245
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,772a month

    Down payment
    $34,725
    Cash to close
    $41,670
    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 Gladstone and for Clay County.

Property tax

Effective rate in Gladstone

1.07%of the home’s value each year

$2,477 a year for the typical owner in Gladstone.

  • Gladstone 1.07%
  • Clay 1.07%
  • 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 Clay County

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

Homes in the high-risk zone
0.7%
560
Of those, with NFIP insurance
27%
County Missouri U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 27% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gladstone

Typical rent in Gladstone is $1,088 a month: 12% below the county. In Gladstone, 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.

HUD fair market rent for all of Clay 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 Gladstone

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

For 2 bedrooms it runs from $1,520 in 64118 to $1,580 in 64119.

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

  • 64118 $1,520$1,990
  • 64119 $1,580$2,060

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gladstone 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 Gladstone

HUD lists 2 buildings with rents for lower incomes in Gladstone. These are the largest.

  • Gladstone Senior Apts 5700 N Main St, Gladstone 64118 154 low-income homes · 1 bd: 107 · 2 bd: 47 · In service since 2004 · For older adults, people with disabilities
  • The Creeks of Gladstone 6001 NE Bircain Pl, Gladstone 64118 121 homes

See all 71 buildings in Clay County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gladstone

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.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Gladstone

No down payment, repair or rent-help program on our list is for Gladstone or Clay County. The ones below are statewide in Missouri: they work in Gladstone 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 Gladstone

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

  • Credit & Homeownership Empowerment Services, Inc.

    3115 Gillham Plz, Kansas City · 10 miles away · Spanish

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

  • Habitat for Humanity of Kansas City

    1423 E Linwood Blvd, Kansas City · 10 miles away

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

  • Community Services League

    404 N Noland Rd, Independence · 11 miles away

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

All counseling agencies in Missouri

Help in Spanish near Gladstone

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 Gladstone

In HUD’s record, no housing authority with an office in Clay County is named for Gladstone or Clay County.

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

Cities

Other cities in Clay County

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

Everything about Clay County Housing in Missouri

Nearby cities

The cities closest to Gladstone, with the typical home value.

Neighboring counties

If Clay 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 Gladstone.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Gladstone

Short answers with the numbers for Gladstone 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 Gladstone?

The typical home value in Gladstone is $231,500, 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 Gladstone?

Typical rent in Gladstone is $1,088 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 Gladstone?

Gladstone 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 Gladstone?

The typical homeowner in Gladstone pays $2,477 a year, according to the U.S. Census Bureau. That is 1.07% of the home’s value; in Clay County, the rate is 1.07%.

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

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.

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).