Clay County, MO Average Home Price (2026)
The average home price in Clay County, Missouri is about $384,000 (the 2026 median across 17 ZIP codes, at ~$194/sq ft) — 57% more expensive than the Missouri median and 33% more expensive than the typical U.S. home.
How Clay County compares
Clay County is relatively expensive for housing nationally: its typical home costs $384,000 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $209,000 to $617,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Clay County | $384,000 | $194 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Clay County home prices by ZIP code
The 15 most valuable ZIP codes in Clay County (of 17 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 64167 Kansas City | $617,000 | $325 | +61% |
| 64166 Kansas City | $485,000 | $255 | +26% |
| 64165 Kansas City | $468,000 | $241 | +22% |
| 64156 Kansas City | $467,000 | $220 | +22% |
| 64157 Kansas City | $429,000 | $199 | +12% |
| 64060 Kearney | $402,000 | $222 | +5% |
| 64048 Holt | $401,000 | $233 | +4% |
| 64158 Kansas City | $388,000 | $222 | +1% |
| 64089 Smithville | $384,000 | $193 | +0% |
| 64155 Kansas City | $353,000 | $194 | -8% |
| 64068 Liberty | $330,000 | $190 | -14% |
| 64116 Kansas City | $268,000 | $169 | -30% |
| 64118 Gladstone | $268,000 | $166 | -30% |
| 64119 Kansas City | $260,000 | $164 | -32% |
| 64024 Excelsior Springs | $246,000 | $177 | -36% |
Home value appreciation in Clay County
Home prices in Clay County have risen about 108% over the last 10 years (≈7.6% a year) and +98.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.8% — still rising. A home worth $384,000 today was worth roughly $184,261 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Missouri is +88.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Clay County
Run the numbers for Clay County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Clay County
To buy the typical $384,000 home in Clay County with 20% down, you need a household income of roughly $104,000 a year (about $2,440 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $124,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,200 | $3,030/mo | $130,000/yr |
| 10% (+PMI) | $38,400 | $2,900/mo | $124,000/yr |
| 20% | $76,800 | $2,440/mo | $104,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Clay County
At about $194 per square foot, here is roughly how much home different budgets get you in Clay County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 1030 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1290 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1550 sq ft | below the local median — condos, smaller or older homes |
| $400k | 2060 sq ft | around the typical home here |
| $500k | 2580 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Missouri.
Estimate a specific home in Clay County
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Clay County home prices: frequently asked
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Browse all Missouri cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.