In Oak Grove, a typical home is worth $215,500 and typical rent is $1,044 a month. Compared with all of Jackson County, typical rent is 13% lower and typical household income is 10% higher.
Typical home value from Zillow, September 2021 to September 2026: from $237,182 to $297,404.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oak Grove 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
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: 20% less than in Oak Grove ($215,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oak Grove
What homes there are in Oak Grove, 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
Oak Grove
Jackson County
Missouri
United States
Kind of home: Oak Grove and its comparisons
Measure
Oak Grove
Jackson County
Missouri
United States
Detached house
71%
66%
71%
61%
Attached house
10%
5%
4%
6%
Building of 2 to 4
15%
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
21%
13%
19%
Mobile home
Unreliable estimate
1%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 71% of homes here, against 66% in Jackson County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Oak Grove
Jackson County
Missouri
United States
Year built: Oak Grove and its comparisons
Measure
Oak Grove
Jackson County
Missouri
United States
Before 1960
10%
37%
27%
26%
1960–1979
32%
28%
25%
24%
1980–1999
26%
19%
25%
25%
2000–2009
20%
9%
13%
14%
2010 or later
12%
8%
10%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K41%
$200K–$300K34%
$300K–$500K21%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Oak Grove and its comparisons
Measure
Oak Grove
Under $100K
Unreliable estimate
$100K–$200K
41%
$200K–$300K
34%
$300K–$500K
21%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99935%
$1,000–$1,49930%
$1,500–$1,99918%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Oak Grove and its comparisons
Measure
Oak Grove
Under $500
Unreliable estimate
$500–$999
35%
$1,000–$1,499
30%
$1,500–$1,999
18%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,454 a month
Jackson County: $1,639 a month
Without a mortgage
$593 a month
Jackson County: $626 a month
Owners with a mortgage
73%
Jackson County: 62%
Owning costs less in Oak Grove: with a mortgage, the typical cost is $1,454 a month; in Jackson County, $1,639. Without one, $593.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oak Grove+60%
Jackson County+56%
Missouri+47%
United States+53%
Typical rent
Oak Grove+21%
Jackson County+32%
Missouri+25%
United States+33%
Typical household income
Oak GroveNo clear change
Jackson County+24%
Missouri+28%
United States+29%
Change since 2015–2019: Oak Grove and its comparisons
Measure
Oak Grove
Jackson County
Missouri
United States
Typical home value
+60%
+56%
+47%
+53%
Typical rent
+21%
+32%
+25%
+33%
Typical household income
No clear change
+24%
+28%
+29%
The typical home value in Oak Grove rose 60% since 2015–2019, more than in Jackson County (56%).
The typical rent in Oak Grove rose 21% over the same time; in Jackson County, it rose 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oak Grove and its comparisons
Measure
Oak Grove
Jackson County
Missouri
United States
Rental vacancy
Unreliable estimate
4.0%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.9%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.7%
3.4%
People per household
2.70
2.31
2.40
2.53
Drive alone
82%
73%
75%
69%
Carpool
8%
7%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
6%
16%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Oak Grove has 2.70 people, more than in Jackson County (2.31).
To get to work, 82% of workers in Oak Grove drive alone; in Jackson County, 73%.
Do the math
What would you pay each month for a home in Oak Grove?
A typical home is tight for the typical income
We start with a typical home in Oak Grove, worth $215,500, 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 Oak Grove, which is $75,102 a year. For that payment to be 28% of income, a household would need to earn about $78,063 a year.
The calculator's FHA and conventional loan limits are those of all of Jackson 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 Oak Grove. 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 $7,543 (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
$1,821
at 7.18% · 30 years
Loan amount
$211,596
Total interest
$304,437
Paid off in
November 2056
Includes $3,639 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,752 a month
Tight
$1,752 to $2,253 a month
Your payment · 29%
Hard
more than $2,253 a month
Compared with the typical household income in Oak Grove ($75,102 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,433
Property tax
$203
Home insurance
$90
FHA mortgage insurance (MIP)
$95
You need at least $7,543 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 $1,821; principal and interest $1,433.
The city and its county
Oak Grove and Jackson County
Oak Grove 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).
Oak Grove
Map of Jackson County, Missouri, with Oak Grove marked. Around it, the neighboring counties.
Oak Grove
Jackson County
Other cities with a page
Oak Grove's own numbers
Typical home value
$215,500
Typical monthly rent
$1,044
Typical yearly household income
$75,102
Households that own their home
60%
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.
A typical home in Oak Grove is worth $215,500: 7% below the county and 6% below Missouri. With the typical household income in Oak Grove ($75,102 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.
Oak Grove2.9 years
Jackson3.4 years
Missouri3.3 years
United States4.1 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.
Yearly change in FHFA’s price index in Jackson County, 2016 to 2025
2016: +6.5% +6.5% 2016
2017: +7.6% +7.6% 2017
2018: +7.9% +7.9% 2018
2019: +6.4% +6.4% 2019
2020: +6.1% +6.1% 2020
2021: +12.3% +12.3% 2021
2022: +14.9% +14.9% 2022
2023: +8.2% +8.2% 2023
2024: +3.7% +3.7% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Jackson County, Missouri and the United States
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
Oak Grove 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
Oak Grove$215,500
Jackson$230,500
Missouri$230,300
United States$332,700
Typical monthly rent
Oak Grove$1,044
Jackson$1,197
Missouri$1,033
United States$1,413
Typical yearly household income
Oak Grove$75,102
Jackson$68,577
Missouri$70,702
United States$80,734
See the full table
Oak Grove next to Jackson County and Missouri
Measure
Oak Grove
Jackson County
Missouri
U.S.
Typical home value
$215,500 ▼7% below the county
$230,500
$230,300
$332,700
Typical monthly rent
$1,044 ▼13% below the county
$1,197
$1,033
$1,413
Typical yearly household income
$75,102 ▲10% above the county
$68,577
$70,702
$80,734
Households that own their home
60% ▲1 points above the county
59%
68%
65%
Typical yearly property tax
$2,434 ▼5% below the county
$2,575
$1,948
$3,119
Effective property tax rate
1.13% ▲0.01 points above the county
1.12%
0.85%
0.94%
Renters with high rent for their income
41% ▼10 points below the county
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 Oak Grove
For a typical $215,500 home in Oak Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Grove's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,821a month
Least cash to close
Down payment
$7,543
Cash to close
$14,008
Rate
7.18%
Mortgage insurance
FHA MIP · $95
Conventional, 5% down$1,782a month
Down payment
$10,775
Cash to close
$17,240
Rate
7.18%
Mortgage insurance
PMI · $102
Conventional, 20% down, no PMI$1,461a month
Down payment
$43,100
Cash to close
$49,565
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,660a month
Down payment
$32,325
Cash to close
$38,790
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oak Grove
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,821
$7,543
$211,597
7.18%
FHA MIP · $95
$14,008
580
Conventional, 5% down
$1,782
$10,775
$204,725
7.18%
PMI · $102
$17,240
620*
Conventional, 20% down, no PMI
$1,461
$43,100
$172,400
7.18%
None
$49,565
620*
ITIN, 15% down (example)
$1,660
$32,325
$183,175
8.18%
None
$38,790
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 Oak Grove and for Jackson County.
Property tax
Effective rate in Oak Grove
1.13%of the home’s value each year
$2,434 a year for the typical owner in Oak Grove.
Oak Grove1.13%
Jackson1.12%
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 Oak Grove is $1,044 a month: 13% below the county. In Oak Grove, 41% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Jackson 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 Oak Grove
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oak Grove is in ZIP code 64075.
For 2 bedrooms it is $1,260: $286 less than the fair market rent for Jackson County ($1,546).
Fair market rent by ZIP code and size in Oak Grove, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
64075
$1,020
$1,110
$1,260
$1,650
$1,970
ZIP code2 bd3 bd
64075 $1,260$1,650
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oak Grove 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)
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.
No down payment, repair or rent-help program on our list is for Oak Grove or Jackson County. The ones below are statewide in Missouri: they work in Oak Grove 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).
No legal help resource on our list is for Oak Grove or Jackson 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 Oak Grove 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 Oak Grove?
The typical home value in Oak Grove is $215,500, 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 Oak Grove?
Typical rent in Oak Grove is $1,044 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 Oak Grove?
Oak Grove 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 Oak Grove?
The typical homeowner in Oak Grove pays $2,434 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 Oak Grove?
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.
