In Smithville, a typical home is worth $290,600 and typical rent is $1,323 a month. Compared with all of Clay County, typical household income is 14% higher, typical rent is 6% higher, and the share of households that own their home is 15 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $306,487 to $377,345.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Smithville is in Clay 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 Clay County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Excelsior Springs, the typical home value is $186,800: 36% less than in Smithville ($290,600).
2
Nearby, in Excelsior Springs, the typical rent is $975: 26% less than in Smithville ($1,323).
3
84% of households in Smithville own their home, against 69% in Clay County.
4
Smithville has the 11th smallest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (31%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Smithville
What homes there are in Smithville, 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
Smithville
Clay County
Missouri
United States
Kind of home: Smithville and its comparisons
Measure
Smithville
Clay County
Missouri
United States
Detached house
76%
71%
71%
61%
Attached house
10%
5%
4%
6%
Building of 2 to 4
12%
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
17%
13%
19%
Mobile home
Unreliable estimate
2%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 76% of homes here, against 71% in Clay County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Smithville
Clay County
Missouri
United States
Year built: Smithville and its comparisons
Measure
Smithville
Clay County
Missouri
United States
Before 1960
12%
18%
27%
26%
1960–1979
11%
24%
25%
24%
1980–1999
38%
25%
25%
25%
2000–2009
22%
18%
13%
14%
2010 or later
17%
15%
10%
11%
Homes in Smithville are newer: the typical year built is 1996; in Clay County, 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K16%
$200K–$300K36%
$300K–$500K40%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Smithville and its comparisons
Measure
Smithville
Under $100K
Unreliable estimate
$100K–$200K
16%
$200K–$300K
36%
$300K–$500K
40%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Smithville and its comparisons
Measure
Smithville
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,716 a month
Clay County: $1,757 a month
Without a mortgage
$732 a month
Clay County: $681 a month
Owners with a mortgage
73%
Clay County: 69%
The typical cost for an owner with a mortgage in Smithville is $1,716 a month, near the figure in Clay County ($1,757).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Smithville+49%
Clay County+58%
Missouri+47%
United States+53%
Typical rent
Smithville+66%
Clay County+29%
Missouri+25%
United States+33%
Typical household income
Smithville+23%
Clay County+26%
Missouri+28%
United States+29%
Change since 2015–2019: Smithville and its comparisons
Measure
Smithville
Clay County
Missouri
United States
Typical home value
+49%
+58%
+47%
+53%
Typical rent
+66%
+29%
+25%
+33%
Typical household income
+23%
+26%
+28%
+29%
The typical home value in Smithville rose 49% since 2015–2019, less than in Clay County (58%).
Since 2015–2019, the typical rent in Smithville rose 66%, more than in Clay County (29%).
Here income did not keep up with housing: it rose 23%, while home values changed +49% and rent +66%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Smithville and its comparisons
Measure
Smithville
Clay County
Missouri
United States
Rental vacancy
Unreliable estimate
4.1%
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
2.62
2.50
2.40
2.53
Drive alone
81%
75%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
14%
16%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Clay County, a household in Smithville has 2.62 people on average.
To get to work, 81% of workers in Smithville drive alone; in Clay County, 75%.
Do the math
What would you pay each month for a home in Smithville?
A typical home is tight for the typical income
We start with a typical home in Smithville, worth $290,600, 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 Smithville, which is $101,165 a year. For that payment to be 28% of income, a household would need to earn about $103,710 a year.
The calculator's FHA and conventional loan limits are those of all of Clay 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 Smithville. 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 $10,171 (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
$2,420
at 7.18% · 30 years
Loan amount
$285,337
Total interest
$410,532
Paid off in
November 2056
Includes $4,908 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,361 a month
Tight
$2,361 to $3,035 a month
Your payment · 29%
Hard
more than $3,035 a month
Compared with the typical household income in Smithville ($101,165 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,933
Property tax
$237
Home insurance
$121
FHA mortgage insurance (MIP)
$129
You need at least $10,171 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 $2,420; principal and interest $1,933.
The city and its county
Smithville and Clay County
Smithville is in Clay 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).
Smithville
Map of Clay County, Missouri, with Smithville marked. Around it, the neighboring counties.
Smithville
Clay County
Other cities with a page
Smithville's own numbers
Typical home value
$290,600
Typical monthly rent
$1,323
Typical yearly household income
$101,165
Households that own their home
84%
Effective property tax rate
0.98%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clay 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)
+54%
Homes in a high flood-risk zone
0.7%
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 Clay County.
A typical home in Smithville is worth $290,600: 5% above the county and 26% above Missouri. With the typical household income in Smithville ($101,165 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.
Smithville2.9 years
Clay3.1 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clay County
According to FHFA’s house price index, home prices in Clay County rose 108% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clay County.
Yearly change in FHFA’s price index in Clay County, 2016 to 2025
2016: +5.5% +5.5% 2016
2017: +7.3% +7.3% 2017
2018: +7.6% +7.6% 2018
2019: +5.6% +5.6% 2019
2020: +5.4% +5.4% 2020
2021: +12.4% +12.4% 2021
2022: +15.7% +15.7% 2022
2023: +9.1% +9.1% 2023
2024: +6.5% +6.5% 2024
2025: +1.8% +1.8% 2025
Change in FHFA’s price index in Clay County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+1.8%
+3.7%
+2.9%
5 years (2020–2025)
+54%
+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
Smithville next to Clay 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
Smithville$290,600
Clay$275,600
Missouri$230,300
United States$332,700
Typical monthly rent
Smithville$1,323
Clay$1,243
Missouri$1,033
United States$1,413
Typical yearly household income
Smithville$101,165
Clay$88,468
Missouri$70,702
United States$80,734
See the full table
Smithville next to Clay County and Missouri
Measure
Smithville
Clay County
Missouri
U.S.
Typical home value
$290,600 ▲5% above the county
$275,600
$230,300
$332,700
Typical monthly rent
$1,323 ▲6% above the county
$1,243
$1,033
$1,413
Typical yearly household income
$101,165 ▲14% above the county
$88,468
$70,702
$80,734
Households that own their home
84% ▲15 points above the county
69%
68%
65%
Typical yearly property tax
$2,850 ▼3% below the county
$2,941
$1,948
$3,119
Effective property tax rate
0.98% ▼0.09 points below the county
1.07%
0.85%
0.94%
Renters with high rent for their income
31% ▼14 points below the county
45%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clay 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 Smithville
For a typical $290,600 home in Smithville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Smithville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,420a month
Least cash to close
Down payment
$10,171
Cash to close
$18,889
Rate
7.18%
Mortgage insurance
FHA MIP · $129
Conventional, 5% down$2,367a month
Down payment
$14,530
Cash to close
$23,248
Rate
7.18%
Mortgage insurance
PMI · $138
Conventional, 20% down, no PMI$1,933a month
Down payment
$58,120
Cash to close
$66,838
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,202a month
Down payment
$43,590
Cash to close
$52,308
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Smithville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,420
$10,171
$285,337
7.18%
FHA MIP · $129
$18,889
580
Conventional, 5% down
$2,367
$14,530
$276,070
7.18%
PMI · $138
$23,248
620*
Conventional, 20% down, no PMI
$1,933
$58,120
$232,480
7.18%
None
$66,838
620*
ITIN, 15% down (example)
$2,202
$43,590
$247,010
8.18%
None
$52,308
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 Smithville and for Clay County.
Property tax
Effective rate in Smithville
0.98%of the home’s value each year
$2,850 a year for the typical owner in Smithville.
Smithville0.98%
Clay1.07%
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 Smithville is $1,323 a month: 6% above the county. In Smithville, 31% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clay 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 Clay 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 Smithville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Smithville is in ZIP code 64089.
For 2 bedrooms it is $1,580: $34 more than the fair market rent for Clay County ($1,546).
Fair market rent by ZIP code and size in Smithville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
64089
$1,280
$1,400
$1,580
$2,060
$2,470
ZIP code2 bd3 bd
64089 $1,580$2,060
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Smithville 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 3 buildings with rents for lower incomes in Smithville. These are the largest.
Northview Heights161 County Road F, Smithville 64089106 low-income homes · Run by Smithville Housing Authority · Average payment: $439 a month · Average wait: 15 months(816) 532-3744
The Villas of Smithville130 Richardson St, Smithville 6408934 low-income homes · 2 bd: 34 · In service since 2019
Smithville Rural Housing501 N US Highway 169, Smithville 6408924 low-income homes · 1 bd: 12 · 2 bd: 12 · In service since 1987
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 Clay 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 Smithville or Clay County. The ones below are statewide in Missouri: they work in Smithville 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 Smithville or Clay 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 Smithville and all of Clay 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 Smithville?
The typical home value in Smithville is $290,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clay County it is $275,600.
How much does it cost to rent in Smithville?
Typical rent in Smithville is $1,323 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clay County is $1,546.
What is the FHA loan limit in Smithville?
Smithville uses the FHA limit for all of Clay 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 Smithville?
The typical homeowner in Smithville pays $2,850 a year, according to the U.S. Census Bureau. That is 0.98% of the home’s value; in Clay County, the rate is 1.07%.
Where can I find free help to buy or rent in Smithville?
We found no HUD-approved counseling agencies with an office in Clay County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
