ZIP Code 64109 — Kansas City, MO Home Prices (2026)
The typical home in ZIP 64109 (Kansas City, Missouri) is worth about $182,000 at roughly $140 per square foot — 34% more affordable than the Kansas City median and 38% more affordable than the typical U.S. home.
How 64109 compares
ZIP 64109 is one of the more affordable ZIP codes in Kansas City: its typical home value of $182,000 ranks #31 of the 42 Kansas City ZIP codes we track (the citywide range runs from $86,000 in 64120 to $629,000 in 64167). Per square foot it costs about $140, against $194 for Kansas City as a whole, $160 for Missouri, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 64109 | $182,000 | $140 |
| Kansas City, MO | $275,500 | $194 |
| Missouri | $247,000 | $160 |
| United States | $294,000 | $195 |
Home value by size in 64109
Using this ZIP’s rate of about $140 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $140,000 |
| 1,500 sq ft | $210,000 |
| 2,000 sq ft | $280,000 |
| 2,500 sq ft | $350,000 |
| 3,000 sq ft | $420,000 |
Salary needed to buy a home in ZIP 64109
To buy the typical $182,000 home in ZIP 64109 with 20% down, you need a household income of roughly $50,000 a year (about $1,160 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $59,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,100 | $1,440/mo | $62,000/yr |
| 10% (+PMI) | $18,200 | $1,370/mo | $59,000/yr |
| 20% | $36,400 | $1,160/mo | $50,000/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 ZIP 64109
At about $140 per square foot, here is roughly how much home different budgets get you in ZIP 64109:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1070 sq ft | around the typical home here |
| $200k | 1430 sq ft | around the typical home here |
| $250k | 1790 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2140 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2860 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 pre-filled with a typical 64109 home.
Estimate a specific home in 64109
The estimator below is pre-set to ZIP 64109 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Kansas City ZIP codes by home value
Where 64109 sits among Kansas City’s 42 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 64167 | $629,000 | $331 |
| 2 | 64113 | $596,000 | $249 |
| 3 | 64149 | $530,000 | $394 |
| 4 | 64164 | $530,000 | $279 |
| 5 | 64166 | $493,000 | $134 |
| 6 | 64156 | $466,000 | $215 |
| 7 | 64139 | $459,000 | $176 |
| 8 | 64165 | $459,000 | $238 |
| 9 | 64154 | $433,000 | $214 |
| 10 | 64157 | $430,000 | $207 |
| 11 | 64112 | $424,000 | $281 |
| 12 | 64145 | $424,000 | $173 |
| 13 | 64158 | $391,000 | $242 |
| 14 | 64153 | $378,000 | $226 |
| 15 | 64155 | $355,000 | $197 |
| 16 | 64151 | $354,000 | $171 |
| 17 | 64108 | $305,000 | $289 |
| 18 | 64114 | $303,000 | $199 |
| 19 | 64163 | $302,000 | $206 |
| 20 | 64146 | $292,000 | $209 |
| 21 | 64111 | $278,000 | $202 |
| 22 | 64116 | $273,000 | $177 |
| 23 | 64136 | $273,000 | $212 |
| 24 | 64119 | $263,000 | $164 |
| 25 | 64131 | $258,000 | $157 |
| 26 | 64110 | $255,000 | $199 |
| 27 | 64137 | $230,000 | $150 |
| 28 | 64106 | $218,000 | $240 |
| 29 | 64117 | $216,000 | $190 |
| 30 | 64105 | $196,000 | $245 |
| 31 | 64109 (this page) | $182,000 | $140 |
| 32 | 64134 | $176,000 | $141 |
| 33 | 64129 | $155,000 | $128 |
| 34 | 64123 | $126,000 | $131 |
| 35 | 64124 | $126,000 | $131 |
| 36 | 64132 | $116,000 | $117 |
| 37 | 64130 | $104,000 | $106 |
| 38 | 64126 | $96,000 | $98 |
| 39 | 64128 | $95,000 | $105 |
| 40 | 64127 | $90,000 | $98 |
| 41 | 64125 | $89,000 | $101 |
| 42 | 64120 | $86,000 | $135 |
ZIP 64109 home prices: frequently asked
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See the full Kansas City home values page, all Missouri cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.