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City · 16,271 residents · Jackson County, Missouri

Grain Valley , Missouri

In Grain Valley, a typical home is worth $283,800 and typical rent is $1,398 a month. Compared with all of Jackson County, typical household income is 31% higher, the typical home value is 23% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $283,800

    23% above the county

    23% above Missouri

    • Grain Valley
    • Jackson
    • Missouri

  • Typical rent

    $1,398a month

    17% above the county

    35% above Missouri

    • Grain Valley
    • Jackson
    • Missouri

  • Typical household income

    $89,649a year

    31% above the county

    27% above Missouri

    • Grain Valley
    • Jackson
    • Missouri

  • Households that own their home

    65%

    6 points above the county

    3 points below Missouri

    • Grain Valley
    • Jackson
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$332,369
1.1% more than 12 months ago
Typical rent
$1,688 a month
2.8% more than 12 months ago

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

Grain Valley 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 Grain Valley 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: 39% less than in Grain Valley ($283,800).

  2. The typical household income in Grain Valley is $89,649, 31% more than in Jackson County as a whole ($68,577).

  3. Nearby, in Oak Grove, the typical rent is $1,044: 25% less than in Grain Valley ($1,398).

  4. The typical home in Grain Valley is worth $283,800, 23% more than in Jackson County as a whole ($230,500).

  5. The typical rent in Grain Valley is $1,398 a month, 17% more than in Jackson County as a whole ($1,197).

  6. 65% of households in Grain Valley own their home, against 59% in Jackson County.

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

The homes here

Housing in Grain Valley

What homes there are in Grain Valley, 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 houses, standing on their own, make up 72% of homes here, against 66% in Jackson County.

Year built

Here half of the homes date from 2002 or later; in Jackson County, from 1970 or later.

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
Monthly rent with utilities

With a mortgage

$1,726 a month

Jackson County: $1,639 a month

Without a mortgage

$702 a month

Jackson County: $626 a month

Owners with a mortgage

77%

Jackson County: 62%

Owning costs more in Grain Valley: with a mortgage, the typical cost is $1,726 a month; in Jackson County, $1,639. Without one, $702.

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

Since 2015–2019, homes in Grain Valley gained value faster than in Jackson County: 63% against 56%.

Much as in Jackson County, the typical rent in Grain Valley rose 34% since 2015–2019.

Here income did not keep up with housing: it rose 22%, while home values changed +63% and rent +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

MeasureGrain ValleyJackson 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 2.662.312.402.53
Drive alone 76%73%75%69%
Carpool 5%7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 18%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Grain Valley are bigger: 2.66 people on average; in Jackson County, 2.31.

To get to work, 76% of workers in Grain Valley drive alone; 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 Grain Valley?

A typical home is tight for the typical income

We start with a typical home in Grain Valley, worth $283,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Grain Valley, which is $89,649 a year. For that payment to be 28% of income, a household would need to earn about $102,702 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 Grain Valley. 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 $9,933 (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

$2,396

at 7.18% · 30 years

Loan amount
$278,660
Total interest
$400,926
Paid off in
November 2056

Includes $4,793 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,092 a month

  • Tight

    $2,092 to $2,689 a month

    Your payment · 32%

  • Hard

    more than $2,689 a month

Compared with the typical household income in Grain Valley ($89,649 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,396
Principal & interest$1,888
Property tax$265
Home insurance$118
FHA mortgage insurance (MIP)$126

You need at least $9,933 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

Grain Valley and Jackson County

Grain Valley 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).

Grain Valley's own numbers

Typical home value
$283,800
Typical monthly rent
$1,398
Typical yearly household income
$89,649
Households that own their home
65%
Effective property tax rate
1.12%

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 Grain Valley

A typical home in Grain Valley is worth $283,800: 23% above the county and 23% above Missouri. With the typical household income in Grain Valley ($89,649 a year), a typical home costs 3.2 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.

  • Grain Valley 3.2 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

Grain Valley 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
  • Grain Valley $283,800
  • Jackson $230,500
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Grain Valley $1,398
  • Jackson $1,197
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Grain Valley $89,649
  • Jackson $68,577
  • Missouri $70,702
  • United States $80,734
See the full table
Grain Valley next to Jackson County and Missouri
Measure Grain Valley Jackson County Missouri U.S.
Typical home value $283,800 $230,500 $230,300 $332,700
Typical monthly rent $1,398 $1,197 $1,033 $1,413
Typical yearly household income $89,649 $68,577 $70,702 $80,734
Households that own their home 65% 59% 68% 65%
Typical yearly property tax $3,182 $2,575 $1,948 $3,119
Effective property tax rate 1.12% 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 Grain Valley

For a typical $283,800 home in Grain Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Grain Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,396a month

    Least cash to close
    Down payment
    $9,933
    Cash to close
    $18,447
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $126

  • Conventional, 5% down $2,344a month

    Down payment
    $14,190
    Cash to close
    $22,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $135

  • Conventional, 20% down, no PMI $1,921a month

    Down payment
    $56,760
    Cash to close
    $65,274
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,184a month

    Down payment
    $42,570
    Cash to close
    $51,084
    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 Grain Valley and for Jackson County.

Property tax

Effective rate in Grain Valley

1.12%of the home’s value each year

$3,182 a year for the typical owner in Grain Valley.

  • Grain Valley 1.12%
  • 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 Grain Valley

Typical rent in Grain Valley is $1,398 a month: 17% above the county. In Grain Valley, 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 Grain Valley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Grain Valley is in ZIP code 64029.

For 2 bedrooms it is $1,710: $164 more than the fair market rent for Jackson County ($1,546).

  • 64029 $1,710$2,230

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Grain Valley 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?

Free help

Help to buy or rent in Grain Valley

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Grain Valley

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

The HUD-approved agencies closest to the center of Grain Valley, 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 · 12 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 · 19 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 · 20 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 Grain Valley

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 Grain Valley

In HUD’s record, no housing authority with an office in Jackson County is named for Grain Valley 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 Grain Valley, 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 Grain Valley.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Grain Valley

Short answers with the numbers for Grain Valley 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 Grain Valley?

The typical home value in Grain Valley is $283,800, 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 Grain Valley?

Typical rent in Grain Valley is $1,398 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 Grain Valley?

Grain Valley 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 Grain Valley?

The typical homeowner in Grain Valley pays $3,182 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Jackson County, the rate is 1.12%.

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

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).