In Raymore, a typical home is worth $339,100 and typical rent is $1,303 a month. Compared with all of Cass County, typical household income is 19% higher and the typical home value is 16% higher.
Typical home value from Zillow, September 2021 to September 2026: from $299,024 to $358,854.
Typical rent
$1,737a month
▲ 6.7% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,351 to $1,737.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Raymore is in Cass 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 Cass County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Grandview, the typical home value is $188,500: 44% less than in Raymore ($339,100).
2
Nearby, in Grandview, the typical rent is $1,035: 21% less than in Raymore ($1,303).
3
The typical household income in Raymore is $104,447,19% more than in Cass County as a whole ($87,535).
4
The typical home in Raymore is worth $339,100,16% more than in Cass County as a whole ($292,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Raymore
What homes there are in Raymore, 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
Raymore
Cass County
Missouri
United States
Kind of home: Raymore and its comparisons
Measure
Raymore
Cass County
Missouri
United States
Detached house
78%
78%
71%
61%
Attached house
8%
7%
4%
6%
Building of 2 to 4
6%
6%
8%
8%
Apartments (5 or more)
8%
5%
13%
19%
Mobile home
Unreliable estimate
5%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Raymore, 8 in 10 homes are single-family detached houses, about the same as in Cass County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Raymore
Cass County
Missouri
United States
Year built: Raymore and its comparisons
Measure
Raymore
Cass County
Missouri
United States
Before 1960
Unreliable estimate
11%
27%
26%
1960–1979
12%
23%
25%
24%
1980–1999
31%
31%
25%
25%
2000–2009
30%
21%
13%
14%
2010 or later
25%
15%
10%
11%
The typical home in Raymore was built in 2002, 10 years after the typical one in Cass County.
In Raymore, 76% of homes have 3 bedrooms or more, about the same as in Cass County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K4%
$100K–$200K8%
$200K–$300K26%
$300K–$500K49%
$500K–$750K10%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Raymore and its comparisons
Measure
Raymore
Under $100K
4%
$100K–$200K
8%
$200K–$300K
26%
$300K–$500K
49%
$500K–$750K
10%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 88% of owner-occupied homes in Raymore are worth less than the FHA loan limit for Cass County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49946%
$1,500–$1,99916%
$2,000–$2,49913%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Raymore and its comparisons
Measure
Raymore
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
46%
$1,500–$1,999
16%
$2,000–$2,499
13%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,906 a month
Cass County: $1,749 a month
Without a mortgage
$685 a month
Cass County: $636 a month
Owners with a mortgage
70%
Cass County: 66%
Owning costs more in Raymore: with a mortgage, the typical cost is $1,906 a month; in Cass County, $1,749. Without one, $685.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Raymore+68%
Cass County+62%
Missouri+47%
United States+53%
Typical rent
RaymoreNo clear change
Cass County+24%
Missouri+25%
United States+33%
Typical household income
Raymore+23%
Cass County+26%
Missouri+28%
United States+29%
Change since 2015–2019: Raymore and its comparisons
Measure
Raymore
Cass County
Missouri
United States
Typical home value
+68%
+62%
+47%
+53%
Typical rent
No clear change
+24%
+25%
+33%
Typical household income
+23%
+26%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Raymore rose 68%; in Cass County, it rose 62%.
The typical rent in Raymore stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Raymore and its comparisons
Measure
Raymore
Cass County
Missouri
United States
Rental vacancy
Unreliable estimate
4.5%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.5%
1.7%
3.4%
People per household
2.60
2.54
2.40
2.53
Drive alone
77%
76%
75%
69%
Carpool
7%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
15%
14%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Cass County, a household in Raymore has 2.60 people on average.
In Raymore, 77% of workers drive alone to work; in Cass County, 76%.
Do the math
What would you pay each month for a home in Raymore?
A typical home is tight for the typical income
We start with a typical home in Raymore, worth $339,100, 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 Raymore, which is $104,447 a year. For that payment to be 28% of income, a household would need to earn about $120,898 a year.
The calculator's FHA and conventional loan limits are those of all of Cass 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 Raymore. 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 $11,869 (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
$2,821
at 7.18% · 30 years
Loan amount
$332,958
Total interest
$479,048
Paid off in
November 2056
Includes $5,727 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,437 a month
Tight
$2,437 to $3,133 a month
Your payment · 32%
Hard
more than $3,133 a month
Compared with the typical household income in Raymore ($104,447 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,256
Property tax
$274
Home insurance
$141
FHA mortgage insurance (MIP)
$150
You need at least $11,869 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 $2,821; principal and interest $2,256.
The city and its county
Raymore and Cass County
Raymore is in Cass 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).
Raymore
Map of Cass County, Missouri, with Raymore marked. Around it, the neighboring counties.
Raymore
Cass County
Other cities with a page
Raymore's own numbers
Typical home value
$339,100
Typical monthly rent
$1,303
Typical yearly household income
$104,447
Households that own their home
78%
Effective property tax rate
0.97%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cass 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)
+52%
Homes in a high flood-risk zone
0.5%
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 Cass County.
A typical home in Raymore is worth $339,100: 16% above the county and 47% above Missouri. With the typical household income in Raymore ($104,447 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.
Raymore3.2 years
Cass3.3 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cass County
According to FHFA’s house price index, home prices in Cass County rose 106% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cass County.
Yearly change in FHFA’s price index in Cass County, 2016 to 2025
2016: +6.6% +6.6% 2016
2017: +6.7% +6.7% 2017
2018: +8.5% +8.5% 2018
2019: +5.2% +5.2% 2019
2020: +4.3% +4.3% 2020
2021: +13.3% +13.3% 2021
2022: +15.2% +15.2% 2022
2023: +7.6% +7.6% 2023
2024: +5.5% +5.5% 2024
2025: +2.5% +2.5% 2025
Change in FHFA’s price index in Cass County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+2.5%
+3.7%
+2.9%
5 years (2020–2025)
+52%
+51%
+47%
10 years (2015–2025)
+106%
+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
Raymore next to Cass 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
Raymore$339,100
Cass$292,400
Missouri$230,300
United States$332,700
Typical monthly rent
Raymore$1,303
Cass$1,205
Missouri$1,033
United States$1,413
Typical yearly household income
Raymore$104,447
Cass$87,535
Missouri$70,702
United States$80,734
See the full table
Raymore next to Cass County and Missouri
Measure
Raymore
Cass County
Missouri
U.S.
Typical home value
$339,100 ▲16% above the county
$292,400
$230,300
$332,700
Typical monthly rent
$1,303 ▲8% above the county
$1,205
$1,033
$1,413
Typical yearly household income
$104,447 ▲19% above the county
$87,535
$70,702
$80,734
Households that own their home
78% ▲3 points above the county
76%
68%
65%
Typical yearly property tax
$3,292 ▲31% above the county
$2,504
$1,948
$3,119
Effective property tax rate
0.97% ▲0.11 points above the county
0.86%
0.85%
0.94%
Renters with high rent for their income
56% ▲10 points above the county
46%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cass 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 Raymore
For a typical $339,100 home in Raymore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Raymore's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,821a month
Least cash to close
Down payment
$11,869
Cash to close
$22,042
Rate
7.18%
Mortgage insurance
FHA MIP · $150
Conventional, 5% down$2,759a month
Down payment
$16,955
Cash to close
$27,128
Rate
7.18%
Mortgage insurance
PMI · $161
Conventional, 20% down, no PMI$2,253a month
Down payment
$67,820
Cash to close
$77,993
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,567a month
Down payment
$50,865
Cash to close
$61,038
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Raymore
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,821
$11,869
$332,958
7.18%
FHA MIP · $150
$22,042
580
Conventional, 5% down
$2,759
$16,955
$322,145
7.18%
PMI · $161
$27,128
620*
Conventional, 20% down, no PMI
$2,253
$67,820
$271,280
7.18%
None
$77,993
620*
ITIN, 15% down (example)
$2,567
$50,865
$288,235
8.18%
None
$61,038
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 Raymore and for Cass County.
Property tax
Effective rate in Raymore
0.97%of the home’s value each year
$3,292 a year for the typical owner in Raymore.
Raymore0.97%
Cass0.86%
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 Raymore is $1,303 a month: 8% above the county. In Raymore, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cass 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 Cass 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 Raymore
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Raymore is in ZIP code 64083.
For 2 bedrooms it is $1,650: $104 more than the fair market rent for Cass County ($1,546).
Fair market rent by ZIP code and size in Raymore, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
64083
$1,340
$1,460
$1,650
$2,160
$2,580
ZIP code2 bd3 bd
64083 $1,650$2,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Raymore 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.
We found no HUD-approved agencies with an office in Cass County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Raymore or Cass County. The ones below are statewide in Missouri: they work in Raymore 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 Raymore or Cass 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 Raymore and all of Cass 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 Raymore?
The typical home value in Raymore is $339,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cass County it is $292,400.
How much does it cost to rent in Raymore?
Typical rent in Raymore is $1,303 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cass County is $1,546.
What is the FHA loan limit in Raymore?
Raymore uses the FHA limit for all of Cass 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 Raymore?
The typical homeowner in Raymore pays $3,292 a year, according to the U.S. Census Bureau. That is 0.97% of the home’s value; in Cass County, the rate is 0.86%.
Where can I find free help to buy or rent in Raymore?
We found no HUD-approved counseling agencies with an office in Cass County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
