City · 29,445 residents · Jackson County, Missouri
Raytown, Missouri
In Raytown, a typical home is worth $182,900 and typical rent is $1,218 a month. Compared with all of Jackson County, the typical home value is 21% lower and the share of households that own their home is 6 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $159,505 to $207,260.
Typical rent
$1,484a month
▲ 3.6% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,136 to $1,484.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Raytown 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
The typical home in Raytown is worth $182,900,21% less than in Jackson County as a whole ($230,500).
2
Nearby, in Grandview, the typical rent is $1,035: 15% less than in Raytown ($1,218).
3
65% of households in Raytown own their home, against 59% in Jackson County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Raytown
What homes there are in Raytown, 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
Raytown
Jackson County
Missouri
United States
Kind of home: Raytown and its comparisons
Measure
Raytown
Jackson County
Missouri
United States
Detached house
82%
66%
71%
61%
Attached house
3%
5%
4%
6%
Building of 2 to 4
7%
7%
8%
8%
Apartments (5 or more)
7%
21%
13%
19%
Mobile home
Unreliable estimate
1%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Raytown, 8 in 10 homes are single-family detached houses; in Jackson County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Raytown
Jackson County
Missouri
United States
Year built: Raytown and its comparisons
Measure
Raytown
Jackson County
Missouri
United States
Before 1960
45%
37%
27%
26%
1960–1979
37%
28%
25%
24%
1980–1999
12%
19%
25%
25%
2000–2009
4%
9%
13%
14%
2010 or later
Unreliable estimate
8%
10%
11%
The typical home in Raytown was built in 1962, 8 years before the typical one in Jackson County.
In Raytown, 67% of homes have 3 bedrooms or more, more than in Jackson County (58%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K12%
$100K–$200K50%
$200K–$300K30%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Raytown and its comparisons
Measure
Raytown
Under $100K
12%
$100K–$200K
50%
$200K–$300K
30%
$300K–$500K
8%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 99% of owner-occupied homes in Raytown are worth less than $500,000, below the FHA loan limit for Jackson County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99928%
$1,000–$1,49941%
$1,500–$1,99922%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Raytown and its comparisons
Measure
Raytown
Under $500
Unreliable estimate
$500–$999
28%
$1,000–$1,499
41%
$1,500–$1,999
22%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,339 a month
Jackson County: $1,639 a month
Without a mortgage
$589 a month
Jackson County: $626 a month
Owners with a mortgage
65%
Jackson County: 62%
In Raytown, 65% of owners have a mortgage, and their typical cost is $1,339 a month, against $1,639 in Jackson County. Without one it drops to $589.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Raytown+73%
Jackson County+56%
Missouri+47%
United States+53%
Typical rent
Raytown+33%
Jackson County+32%
Missouri+25%
United States+33%
Typical household income
Raytown+31%
Jackson County+24%
Missouri+28%
United States+29%
Change since 2015–2019: Raytown and its comparisons
Measure
Raytown
Jackson County
Missouri
United States
Typical home value
+73%
+56%
+47%
+53%
Typical rent
+33%
+32%
+25%
+33%
Typical household income
+31%
+24%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Raytown rose 73%; in Jackson County, it rose 56%.
Much as in Jackson County, the typical rent in Raytown rose 33% since 2015–2019.
While home values in Raytown changed +73% and rent +33%, the typical household income rose 31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Raytown and its comparisons
Measure
Raytown
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
2.32
2.31
2.40
2.53
Drive alone
79%
73%
75%
69%
Carpool
7%
7%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
12%
16%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Jackson County, a household in Raytown has 2.32 people on average.
The car rules in Raytown: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Raytown?
A typical home is within reach of the typical income
We start with a typical home in Raytown, worth $182,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Raytown, which is $68,840 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 Raytown. 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 $6,402 (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
$1,560
at 7.18% · 30 years
Loan amount
$179,587
Total interest
$258,383
Paid off in
November 2056
Includes $3,089 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,606 a month
Your payment · 27%
Tight
$1,606 to $2,065 a month
Hard
more than $2,065 a month
Compared with the typical household income in Raytown ($68,840 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,217
Property tax
$186
Home insurance
$76
FHA mortgage insurance (MIP)
$81
You need at least $6,402 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 $1,560; principal and interest $1,217.
The city and its county
Raytown and Jackson County
Raytown 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).
Raytown
Map of Jackson County, Missouri, with Raytown marked. Around it, the neighboring counties.
Raytown
Jackson County
Other cities with a page
Raytown's own numbers
Typical home value
$182,900
Typical monthly rent
$1,218
Typical yearly household income
$68,840
Households that own their home
65%
Effective property tax rate
1.22%
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 Raytown is worth $182,900: 21% below the county and 21% below Missouri. With the typical household income in Raytown ($68,840 a year), a typical home costs 2.7 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.
Raytown2.7 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
Raytown 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
Raytown$182,900
Jackson$230,500
Missouri$230,300
United States$332,700
Typical monthly rent
Raytown$1,218
Jackson$1,197
Missouri$1,033
United States$1,413
Typical yearly household income
Raytown$68,840
Jackson$68,577
Missouri$70,702
United States$80,734
See the full table
Raytown next to Jackson County and Missouri
Measure
Raytown
Jackson County
Missouri
U.S.
Typical home value
$182,900 ▼21% below the county
$230,500
$230,300
$332,700
Typical monthly rent
$1,218
$1,197
$1,033
$1,413
Typical yearly household income
$68,840
$68,577
$70,702
$80,734
Households that own their home
65% ▲6 points above the county
59%
68%
65%
Typical yearly property tax
$2,239 ▼13% below the county
$2,575
$1,948
$3,119
Effective property tax rate
1.22% ▲0.1 points above the county
1.12%
0.85%
0.94%
Renters with high rent for their income
47% ▼4 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 Raytown
For a typical $182,900 home in Raytown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Raytown's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,560a month
Least cash to close
Down payment
$6,402
Cash to close
$11,889
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,526a month
Down payment
$9,145
Cash to close
$14,632
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,253a month
Down payment
$36,580
Cash to close
$42,067
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,422a month
Down payment
$27,435
Cash to close
$32,922
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Raytown
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,560
$6,402
$179,587
7.18%
FHA MIP · $81
$11,889
580
Conventional, 5% down
$1,526
$9,145
$173,755
7.18%
PMI · $87
$14,632
620*
Conventional, 20% down, no PMI
$1,253
$36,580
$146,320
7.18%
None
$42,067
620*
ITIN, 15% down (example)
$1,422
$27,435
$155,465
8.18%
None
$32,922
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 Raytown and for Jackson County.
Property tax
Effective rate in Raytown
1.22%of the home’s value each year
$2,239 a year for the typical owner in Raytown.
Raytown1.22%
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 Raytown is $1,218 a month: about the same as the county. In Raytown, 47% 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 Raytown
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Raytown has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,440 in 64138 to $1,490 in 64133.
None is above the fair market rent for Jackson County ($1,546).
Fair market rent by ZIP code and size in Raytown, fiscal year 2027.
64133
$1,210
$1,320
$1,490
$1,950
$2,330
64138
$1,170
$1,270
$1,440
$1,880
$2,250
ZIP code2 bd3 bd
64133 $1,490$1,950
64138 $1,440$1,880
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Raytown 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)
HUD lists 7 buildings with rents for lower incomes in Raytown. These are the largest.
Temple Heights Manor I5420 Blue Ridge Cut Off, Raytown 64133278 homes, 224 low-income · For older adults(816) 358-9533
Utopia Apts8620 W Utopia Dr, Raytown 6413896 low-income homes · 1 bd: 36 · 2 bd: 48 · 3 bd: 12 · In service since 1998
Willow Bend Villas5110 Westridge Cir, Raytown 6413340 low-income homes · 1 bd: 30 · 2 bd: 10 · In service since 2014 · For older adults, people with disabilities
Jessica Estates11600 E 79th Dr, Raytown 6413836 low-income homes · 1 bd: 8 · 2 bd: 28 · In service since 2001
Jessica Estates II11601 E 80th Dr, Raytown 6413832 low-income homes · 1 bd: 12 · 2 bd: 20 · In service since 2004
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 Raytown or Jackson County. The ones below are statewide in Missouri: they work in Raytown 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 Raytown 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 Raytown 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 Raytown?
The typical home value in Raytown is $182,900, 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 Raytown?
Typical rent in Raytown is $1,218 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 Raytown?
Raytown 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 Raytown?
The typical homeowner in Raytown pays $2,239 a year, according to the U.S. Census Bureau. That is 1.22% of the home’s value; in Jackson County, the rate is 1.12%.
Where can I find free help to buy or rent in Raytown?
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.
