Kansas City, MO home prices
Typical home $324,887 · +3.7% in a year · income needed $94,900
The Kansas City, MO metro area ranks 269 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.7% in a year and +26.1% over five years. With 20% down at 7.11%, the typical home costs about $2,213 a month including 1.12% property tax (Jackson County rate).
Mortgage on the typical Kansas City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $64,977 | $259,909 | $1,748 | $0 | $465 | $2,213 | $94,900 |
| 10% down | $32,489 | $292,398 | $1,967 | $122 | $465 | $2,554 | $109,400 |
| 5% down | $16,244 | $308,642 | $2,076 | $129 | $465 | $2,670 | $114,400 |
| 3.5% down (FHA) | $11,371 | $319,002 | $2,146 | $144 | $465 | $2,755 | $118,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.12% 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.
Counties in the Kansas City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jackson County, MO | $247,543 | +2.7% | 1.12% |
| Johnson County, KS | $458,265 | +4.7% | 1.14% |
| Clay County, MO | $318,510 | +2.4% | 1.07% |
| Wyandotte County, KS | $206,653 | +2.6% | 1.46% |
| Cass County, MO | $341,122 | +4.1% | 0.86% |
| Platte County, MO | $389,181 | +2.2% | 1.05% |
| Leavenworth County, KS | $347,796 | +4.8% | 1.21% |
| Miami County, KS | $377,634 | +4.3% | 1.27% |
| Lafayette County, MO | $248,526 | +7.3% | 0.73% |
| Ray County, MO | $262,323 | +4.4% | 0.8% |
| Clinton County, MO | $292,081 | +5.5% | 0.81% |
| Bates County, MO | $226,765 | +3.5% | 0.61% |
| Linn County, KS | $179,925 | +7.4% | 1.16% |
| Caldwell County, MO | $246,003 | +3.5% | 0.8% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in Kansas City?
The typical home in the Kansas City, MO metro area is worth $324,887 (Zillow, September 2026).
What salary do you need to buy a house in Kansas City?
About $94,900 a year for the typical home with 20% down at 7.11%.