Clay County, Missouri home prices
Typical home $318,510 · +2.4% in a year · property tax 1.07%
The typical home in Clay County is worth $318,510, 20% more than the Missouri typical home ($265,387). Values changed +2.4% in the past year and +24.1% over five years. Homeowners here pay a median 1.07% of their home's value in property tax each year ($3,399 on the typical home), versus 0.79% statewide.
Mortgage on the typical Clay County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,702 | $254,808 | $1,714 | $0 | $442 | $2,157 | $92,400 |
| 10% down | $31,851 | $286,659 | $1,928 | $119 | $442 | $2,490 | $106,700 |
| 5% down | $15,925 | $302,584 | $2,036 | $126 | $442 | $2,604 | $111,600 |
| 3.5% down (FHA) | $11,148 | $312,741 | $2,104 | $141 | $442 | $2,687 | $115,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.07% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Missouri · part of the Kansas City metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Christian County | $318,549 | +2.6% | 0.7% |
| Lincoln County | $316,603 | +5.4% | 0.74% |
| Camden County | $323,721 | -3.6% | 0.47% |
| Stone County | $327,095 | +3.9% | 0.47% |
| Boone County | $328,757 | +2.5% | 0.85% |
| Warren County | $336,425 | +2.2% | 0.69% |
| Cass County | $341,122 | +4.1% | 0.86% |
| Clinton County | $292,081 | +5.5% | 0.81% |
| Jefferson County | $291,892 | +4.3% | 0.8% |
| Morgan County | $291,124 | +3.7% | 0.56% |
Frequently asked questions
What is the average home price in Clay County, MO?
The typical home value in Clay County is $318,510 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clay County?
About $92,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clay County?
The median effective rate is 1.07% of home value a year (Census ACS 2024 5-year estimates).