Español

Este sitio también está en español. Leer en español

City · 510,612 residents · Jackson County, Missouri

Kansas City , Missouri

In Kansas City, a typical home is worth $242,900 and typical rent is $1,238 a month. Compared with all of Jackson County, the typical home value is 5% higher.

WhatsApp

  • Typical home value

    $242,900

    5% above the county

    5% above Missouri

    • Kansas City
    • Jackson
    • Missouri

  • Typical rent

    $1,238a month

    3% above the county

    20% above Missouri

    • Kansas City
    • Jackson
    • Missouri

  • Typical household income

    $69,166a year

    About the same as the county

    2% below Missouri

    • Kansas City
    • Jackson
    • Missouri

  • Households that own their home

    55%

    4 points below the county

    13 points below Missouri

    • Kansas City
    • Jackson
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$250,185
1.9% more than 12 months ago
Typical rent
$1,446 a month
4.3% more than 12 months ago

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

Kansas City 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 Kansas City 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: 29% less than in Kansas City ($242,900).

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

The homes here

Housing in Kansas City

What homes there are in Kansas City, 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 Kansas City, but it weighs less than in Jackson County: 62% against 66%.

Year built

The typical year built in Kansas City is 1969, about the same as in Jackson County (1970).

In Kansas City, 19% of homes have 1 bedroom or none (studios); 54% 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

By price, most homes in Kansas City sit under the FHA limit for Jackson County ($541,287): about 91%.

Monthly rent with utilities

By rent, most homes in Kansas City cost less than HUD's 2-bedroom fair market rent ($1,546): about 72%.

With a mortgage

$1,709 a month

Jackson County: $1,639 a month

Without a mortgage

$636 a month

Jackson County: $626 a month

Owners with a mortgage

63%

Jackson County: 62%

In Kansas City, 63% of owners have a mortgage; their typical cost is $1,709 a month, about the same as in Jackson County.

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

The typical home value in Kansas City rose 57% since 2015–2019, about the same as in Jackson County (56%).

Rents in Kansas City rose at about the same pace as in Jackson County: 32% since 2015–2019, against 32%.

Housing prices ran ahead of income in Kansas City: typical income rose 28%, against +57% for home values and +32% for rent.

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

MeasureKansas CityJackson CountyMissouriUnited States
Rental vacancy 4.7%4.0%5.0%5.5%
Homeowner vacancy 0.7%0.7%0.9%0.9%
More than one person per room 2.1%2.0%1.7%3.4%
People per household 2.262.312.402.53
Drive alone 70%73%75%69%
Carpool 7%7%8%9%
Public transit 2%1%1%3%
Walk or bike 2%2%2%3%
Work from home 17%16%13%15%
Other means 2%2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Kansas City, the rental vacancy rate is 4.7%, about the same as in Jackson County.

In Kansas City, 2.1% of households live with more than one person per room, about the same as in Jackson County.

By size, households in Kansas City look like those in Jackson County: 2.26 people on average.

In Kansas City, 70% 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 Kansas City?

A typical home is tight for the typical income

We start with a typical home in Kansas City, worth $242,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Kansas City, which is $69,166 a year. For that payment to be 28% of income, a household would need to earn about $87,728 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 Kansas City. 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 $8,502 (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

$2,047

at 7.18% · 30 years

Loan amount
$238,500
Total interest
$343,145
Paid off in
November 2056

Includes $4,102 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,614 a month

  • Tight

    $1,614 to $2,075 a month

    Your payment · 36%

  • Hard

    more than $2,075 a month

Compared with the typical household income in Kansas City ($69,166 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,047
Principal & interest$1,616
Property tax$223
Home insurance$101
FHA mortgage insurance (MIP)$107

You need at least $8,502 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

Kansas City and Jackson County

Kansas City 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).

Kansas City's own numbers

Typical home value
$242,900
Typical monthly rent
$1,238
Typical yearly household income
$69,166
Households that own their home
55%
Effective property tax rate
1.1%

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 Kansas City

A typical home in Kansas City is worth $242,900: 5% above the county and 5% above Missouri. With the typical household income in Kansas City ($69,166 a year), a typical home costs 3.5 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.

  • Kansas City 3.5 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

Kansas City 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
  • Kansas City $242,900
  • Jackson $230,500
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Kansas City $1,238
  • Jackson $1,197
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Kansas City $69,166
  • Jackson $68,577
  • Missouri $70,702
  • United States $80,734
See the full table
Kansas City next to Jackson County and Missouri
Measure Kansas City Jackson County Missouri U.S.
Typical home value $242,900 $230,500 $230,300 $332,700
Typical monthly rent $1,238 $1,197 $1,033 $1,413
Typical yearly household income $69,166 $68,577 $70,702 $80,734
Households that own their home 55% 59% 68% 65%
Typical yearly property tax $2,671 $2,575 $1,948 $3,119
Effective property tax rate 1.1% 1.12% 0.85% 0.94%
Renters with high rent for their income 50% 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 Kansas City

For a typical $242,900 home in Kansas City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kansas City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,047a month

    Least cash to close
    Down payment
    $8,502
    Cash to close
    $15,789
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $2,002a month

    Down payment
    $12,145
    Cash to close
    $19,432
    Rate
    7.18%
    Mortgage insurance
    PMI · $115

  • Conventional, 20% down, no PMI $1,640a month

    Down payment
    $48,580
    Cash to close
    $55,867
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,865a month

    Down payment
    $36,435
    Cash to close
    $43,722
    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 Kansas City and for Jackson County.

Property tax

Effective rate in Kansas City

1.1%of the home’s value each year

$2,671 a year for the typical owner in Kansas City.

  • Kansas City 1.1%
  • 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 Kansas City

Typical rent in Kansas City is $1,238 a month: 3% above the county. In Kansas City, 50% 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 Kansas City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kansas City has 47 ZIP codes with their own.

For 2 bedrooms it runs from $1,070 in 64163 to $2,320 in 64157.

25 of the 47 are above the fair market rent for Jackson County ($1,546).

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

HUD lists 285 buildings with rents for lower incomes in Kansas City. These are the largest.

  • Presidents Gardens Apts 8239 Forest Ave Ofc, Kansas City 64131 450 homes, 431 low-income · 1 bd: 56 · 2 bd: 375 · In service since 1998
  • Village Green Apts 1500 E 46th St, Kansas City 64110 380 low-income homes · Studio: 10 · 1 bd: 72 · 2 bd: 248 · 3 bd: 50 · In service since 1999
  • Stonegate Meadows 10413 E 42nd St, Kansas City 64133 366 homes, 364 low-income · 1 bd: 98 · 2 bd: 161 · 3 bd: 90 · 4 bd: 17 · In service since 2002
  • Ab Apartments 908 E Armour Blvd, Kansas City 64109 306 homes, 303 low-income · For families (816) 931-4448
  • Theron B. Watkins 1319 Vine St, Kansas City 64106 284 low-income homes · Run by Housing Authority of Kansas City, Missouri · Average payment: $350 a month · Average wait: 61 months (816) 968-4100

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

Free help

Help to buy or rent in Kansas City

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

HUD counseling is free or low-cost

Assistance programs in Kansas City

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

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

  • Habitat for Humanity of Kansas City

    1423 E Linwood Blvd, Kansas City · 4 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 · 4 miles away · Spanish

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

  • NSC (naca Counseling Subsidiary) - Kansas City, MO

    100 E 43rd St, Kansas City · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (816) 531-6222

Every agency in Jackson County All counseling agencies in Missouri

Help in Spanish near Kansas City

2 of the 3 agencies on this list say they serve 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 Kansas City

HUD’s record names them for Kansas City or Jackson County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Kansas City, Missouri Public housing and Section 8 vouchers (816) 968-4100

2 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 Kansas City, 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 Kansas City.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Kansas City

Short answers with the numbers for Kansas City 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 Kansas City?

The typical home value in Kansas City is $242,900, 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 Kansas City?

Typical rent in Kansas City is $1,238 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 Kansas City?

Kansas City 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 Kansas City?

The typical homeowner in Kansas City pays $2,671 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Jackson County, the rate is 1.12%.

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

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).