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City · 103,656 residents · Jackson County, Missouri

Lee's Summit , Missouri

In Lee's Summit, a typical home is worth $340,900 and typical rent is $1,422 a month. Compared with all of Jackson County, typical household income is 50% higher, the typical home value is 48% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $340,900

    48% above the county

    48% above Missouri

    • Lee's Summit
    • Jackson
    • Missouri

  • Typical rent

    $1,422a month

    19% above the county

    38% above Missouri

    • Lee's Summit
    • Jackson
    • Missouri

  • Typical household income

    $102,531a year

    50% above the county

    45% above Missouri

    • Lee's Summit
    • Jackson
    • Missouri

  • Households that own their home

    73%

    14 points above the county

    5 points above Missouri

    • Lee's Summit
    • Jackson
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$393,485
3.2% more than 12 months ago
Typical rent
$1,614 a month
3.9% more than 12 months ago

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

Lee's Summit 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 Lee's Summit apart

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

  1. Nearby, in Raytown, the typical home value is $182,900: 46% less than in Lee's Summit ($340,900).

  2. The typical household income in Lee's Summit is $102,531, 50% more than in Jackson County as a whole ($68,577).

  3. The typical home in Lee's Summit is worth $340,900, 48% more than in Jackson County as a whole ($230,500).

  4. Nearby, in Grandview, the typical rent is $1,035: 27% less than in Lee's Summit ($1,422).

  5. 73% of households in Lee's Summit own their home, against 59% in Jackson County.

  6. The typical rent in Lee's Summit is $1,422 a month, 19% more than in Jackson County as a whole ($1,197).

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

The homes here

Housing in Lee's Summit

What homes there are in Lee's Summit, 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

In Lee's Summit, 7 in 10 homes are single-family detached houses; in Jackson County, 7.

Year built

Homes in Lee's Summit are newer: the typical year built is 1994; in Jackson County, 1970.

Homes in Lee's Summit are bigger: 73% have 3 bedrooms or more; in Jackson County, 58%.

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 loan limit for Jackson County is $541,287, and about 84% of owner-occupied homes in Lee's Summit are worth less than that.

Monthly rent with utilities

With a mortgage

$2,062 a month

Jackson County: $1,639 a month

Without a mortgage

$775 a month

Jackson County: $626 a month

Owners with a mortgage

69%

Jackson County: 62%

The typical cost for an owner with a mortgage in Lee's Summit is $2,062 a month, more than in Jackson County ($1,639); without one, $775.

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, the typical home value in Lee's Summit rose 52%; in Jackson County, it rose 56%.

Much as in Jackson County, the typical rent in Lee's Summit rose 32% since 2015–2019.

Housing prices ran ahead of income in Lee's Summit: typical income rose 14%, against +52% 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

MeasureLee's SummitJackson 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 2.542.312.402.53
Drive alone 71%73%75%69%
Carpool 6%7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 1%2%2%3%
Work from home 21%16%13%15%
Other means 1%2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.54 on average, against 2.31 in Jackson County.

In Lee's Summit, 21% of workers work from home, more than in Jackson County (16%).

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 Lee's Summit?

A typical home is tight for the typical income

We start with a typical home in Lee's Summit, worth $340,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Lee's Summit, which is $102,531 a year. For that payment to be 28% of income, a household would need to earn about $123,488 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 Lee's Summit. 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 $11,932 (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

$2,881

at 7.18% · 30 years

Loan amount
$334,725
Total interest
$481,591
Paid off in
November 2056

Includes $5,757 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,392 a month

  • Tight

    $2,392 to $3,076 a month

    Your payment · 34%

  • Hard

    more than $3,076 a month

Compared with the typical household income in Lee's Summit ($102,531 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,881
Principal & interest$2,268
Property tax$321
Home insurance$142
FHA mortgage insurance (MIP)$151

You need at least $11,932 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

Lee's Summit and Jackson County

Lee's Summit 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).

Lee's Summit's own numbers

Typical home value
$340,900
Typical monthly rent
$1,422
Typical yearly household income
$102,531
Households that own their home
73%
Effective property tax rate
1.13%

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 Lee's Summit

A typical home in Lee's Summit is worth $340,900: 48% above the county and 48% above Missouri. With the typical household income in Lee's Summit ($102,531 a year), a typical home costs 3.3 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.

  • Lee's Summit 3.3 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

Lee's Summit 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
  • Lee's Summit $340,900
  • Jackson $230,500
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Lee's Summit $1,422
  • Jackson $1,197
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Lee's Summit $102,531
  • Jackson $68,577
  • Missouri $70,702
  • United States $80,734
See the full table
Lee's Summit next to Jackson County and Missouri
Measure Lee's Summit Jackson County Missouri U.S.
Typical home value $340,900 $230,500 $230,300 $332,700
Typical monthly rent $1,422 $1,197 $1,033 $1,413
Typical yearly household income $102,531 $68,577 $70,702 $80,734
Households that own their home 73% 59% 68% 65%
Typical yearly property tax $3,869 $2,575 $1,948 $3,119
Effective property tax rate 1.13% 1.12% 0.85% 0.94%
Renters with high rent for their income 53% 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 Lee's Summit

For a typical $340,900 home in Lee's Summit, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lee's Summit's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,881a month

    Least cash to close
    Down payment
    $11,932
    Cash to close
    $22,159
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $2,819a month

    Down payment
    $17,045
    Cash to close
    $27,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $162

  • Conventional, 20% down, no PMI $2,311a month

    Down payment
    $68,180
    Cash to close
    $78,407
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,626a month

    Down payment
    $51,135
    Cash to close
    $61,362
    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 Lee's Summit and for Jackson County.

Property tax

Effective rate in Lee's Summit

1.13%of the home’s value each year

$3,869 a year for the typical owner in Lee's Summit.

  • Lee's Summit 1.13%
  • 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 Lee's Summit

Typical rent in Lee's Summit is $1,422 a month: 19% above the county. In Lee's Summit, 53% 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 Lee's Summit

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lee's Summit has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,470 in 64063 to $2,220 in 64082.

4 of the 5 are above the fair market rent for Jackson County ($1,546).

  • 64063 $1,470$1,920
  • 64064 $1,820$2,380
  • 64081 $1,740$2,270
  • 64082 $2,220$2,900
  • 64086 $1,690$2,210

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lee's Summit 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 Lee's Summit

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Lee's Summit

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

The HUD-approved agencies closest to the center of Lee's Summit, 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

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

    100 E 43rd St, Kansas City · 14 miles away · Spanish

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

  • Habitat for Humanity of Kansas City

    1423 E Linwood Blvd, Kansas City · 14 miles away

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

Every agency in Jackson County All counseling agencies in Missouri

Help in Spanish near Lee's Summit

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 Lee's Summit

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

  • Lee's Summit Housing Authority Public housing and Section 8 vouchers (816) 524-1100

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 Lee's Summit, 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 Lee's Summit.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Lee's Summit

Short answers with the numbers for Lee's Summit 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 Lee's Summit?

The typical home value in Lee's Summit is $340,900, 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 Lee's Summit?

Typical rent in Lee's Summit is $1,422 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 Lee's Summit?

Lee's Summit 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 Lee's Summit?

The typical homeowner in Lee's Summit pays $3,869 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Jackson County, the rate is 1.12%.

Where can I find free help to buy or rent in Lee's Summit?

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).