Kansas City market pulse
Real public data for Kansas City's ZIP codes, updated as the agencies publish.
Metro prices
+2.8%
in 1 year · Kansas City metro · 2025 Q2–2026 Q2
Past change, not a forecast.
Data table
| Quarter | Index | Change since 2025 Q2 |
|---|---|---|
| 2025 Q2 | 437.4 | — |
| 2025 Q3 | 437.1 | -0.1% |
| 2025 Q4 | 431.6 | -1.3% |
| 2026 Q1 | 440.3 | +0.7% |
| 2026 Q2 | 449.6 | +2.8% |
Each index has its own base, so compare its changes, not its level.
Details
FHFA's purchase-only index for Kansas City, MO-KS: repeat sales of the same houses, from mortgages Fannie Mae and Freddie Mac purchased or securitized. It isn't seasonally adjusted, so each span starts in the quarter it ends.
+35%
in 5 years · Kansas City metro · 2021 Q2–2026 Q2
Past change, not a forecast.
Data table
| Quarter | Index | Change since 2021 Q2 |
|---|---|---|
| 2021 Q2 | 333.3 | — |
| 2021 Q3 | 337.1 | +1.1% |
| 2021 Q4 | 341.1 | +2.3% |
| 2022 Q1 | 361.8 | +8.6% |
| 2022 Q2 | 379.3 | +14% |
| 2022 Q3 | 372.2 | +12% |
| 2022 Q4 | 370.2 | +11% |
| 2023 Q1 | 376.2 | +13% |
| 2023 Q2 | 399.3 | +20% |
| 2023 Q3 | 404.9 | +21% |
| 2023 Q4 | 399.7 | +20% |
| 2024 Q1 | 407.7 | +22% |
| 2024 Q2 | 421.8 | +27% |
| 2024 Q3 | 421.0 | +26% |
| 2024 Q4 | 417.4 | +25% |
| 2025 Q1 | 421.8 | +27% |
| 2025 Q2 | 437.4 | +31% |
| 2025 Q3 | 437.1 | +31% |
| 2025 Q4 | 431.6 | +29% |
| 2026 Q1 | 440.3 | +32% |
| 2026 Q2 | 449.6 | +35% |
Each index has its own base, so compare its changes, not its level.
Details
FHFA's purchase-only index for Kansas City, MO-KS: repeat sales of the same houses, from mortgages Fannie Mae and Freddie Mac purchased or securitized. It isn't seasonally adjusted, so each span starts in the quarter it ends.
+111%
in 10 years · Kansas City metro · 2016 Q2–2026 Q2
Past change, not a forecast.
Data table
| Quarter | Index | Change since 2016 Q2 |
|---|---|---|
| 2016 Q2 | 213.5 | — |
| 2016 Q3 | 218.1 | +2.2% |
| 2016 Q4 | 218.6 | +2.4% |
| 2017 Q1 | 219.3 | +2.7% |
| 2017 Q2 | 230.8 | +8.1% |
| 2017 Q3 | 234.4 | +9.8% |
| 2017 Q4 | 233.9 | +9.6% |
| 2018 Q1 | 239.0 | +12% |
| 2018 Q2 | 248.3 | +16% |
| 2018 Q3 | 250.1 | +17% |
| 2018 Q4 | 251.8 | +18% |
| 2019 Q1 | 252.9 | +18% |
| 2019 Q2 | 263.5 | +23% |
| 2019 Q3 | 264.7 | +24% |
| 2019 Q4 | 269.9 | +26% |
| 2020 Q1 | 270.8 | +27% |
| 2020 Q2 | 286.1 | +34% |
| 2020 Q3 | 294.8 | +38% |
| 2020 Q4 | 299.9 | +40% |
| 2021 Q1 | 312.3 | +46% |
| 2021 Q2 | 333.3 | +56% |
| 2021 Q3 | 337.1 | +58% |
| 2021 Q4 | 341.1 | +60% |
| 2022 Q1 | 361.8 | +69% |
| 2022 Q2 | 379.3 | +78% |
| 2022 Q3 | 372.2 | +74% |
| 2022 Q4 | 370.2 | +73% |
| 2023 Q1 | 376.2 | +76% |
| 2023 Q2 | 399.3 | +87% |
| 2023 Q3 | 404.9 | +90% |
| 2023 Q4 | 399.7 | +87% |
| 2024 Q1 | 407.7 | +91% |
| 2024 Q2 | 421.8 | +98% |
| 2024 Q3 | 421.0 | +97% |
| 2024 Q4 | 417.4 | +96% |
| 2025 Q1 | 421.8 | +98% |
| 2025 Q2 | 437.4 | +105% |
| 2025 Q3 | 437.1 | +105% |
| 2025 Q4 | 431.6 | +102% |
| 2026 Q1 | 440.3 | +106% |
| 2026 Q2 | 449.6 | +111% |
Each index has its own base, so compare its changes, not its level.
Details
FHFA's purchase-only index for Kansas City, MO-KS: repeat sales of the same houses, from mortgages Fannie Mae and Freddie Mac purchased or securitized. It isn't seasonally adjusted, so each span starts in the quarter it ends.
ZIP by ZIP
+111%
The median ZIP's house price index, 2015–2025. 32 ZIPs, from +70% to +177%.
One-year ZIP changes are noisy: of last year's top-3 ZIPs in our 50 cities, 1 in 15 was top 3 again. Past change, not a forecast.
About these figures
FHFA's experimental ZIP house price index: houses with Fannie Mae or Freddie Mac loans, from sales and refinance appraisals. Condos, co-ops and multi-unit buildings aren't in it. 37 of Kansas City's 47 ZIPs have an index; FHFA publishes one only where enough sales exist. A ZIP whose index stops before the latest year shows the year it ends instead of changes. Each index has its own base, so compare a ZIP's changes, not its level.
Rent or buy here
EstimateMonthly housing payment (est.): 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $1,681 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey · Sep 24, 2026 (opens in a new tab)$309
a month less to own a typical sample home than HUD's rent for its size, ZIP 64114
- Own: 3-bedroom sample house, $314,900Sample: fictional home, for the demo.
- EstimateMonthly housing payment (est.): 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $1,681 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey · Sep 24, 2026 (opens in a new tab)$2,091 a monthNot included: upkeep, utilities, flood insurance, special assessments.
- Rent: HUD fair market rent, 3 bedrooms
- $2,400 a monthHUD Small Area Fair Market Rent, FY2027: a 40th-percentile rent for a standard home, utilities included. Not an asking rent.
Lending
6.625%
Median rate, 30-year fixed conventional · 3,186 loans · 2025
2025 home-purchase loans (first liens) on owner-occupied 1–4 unit homes in Kansas City's census tracts: 5,097 loans. Loans that closed, not offers: a rate depends on your credit, down payment, points and the day you lock it.
- Middle half of rates
- 6.375% to 6.875%
- Loan costs at closing
- $3,358 medianMiddle half $2,864 to $4,414: origination charges (points included) and settlement services, Closing Disclosure section D · 3,693 loans
- Loan limits, 2026
- $832,750 conformingAbove it, a jumbo loan with its own rates and rules; FHA limit $541,287 (one-unit home, Jackson County). Limits set by FHFA and HUD.
More lending figures
- Borrowed, every loan on the home combined
- 95% of the value (median)Middle half 80% to 96.5%. 69.2% of buyers borrowed more than 80% of the value, 54.2% more than 90%, 35.9% more than 95%. HMDA's combined loan-to-value counts every loan on the home (second loans, down-payment-assistance loans, financed FHA or VA fees) against the value the lender used, so it doesn't show the cash buyers put down · 4,957 loans
- Loan types
- Conventional 74.1% · FHA 18.6%VA 7.3% · USDA 0%
- Discount points
- 38.4% of loans paid pointsMedian paid: $1,099. Points buy a lower rate.
For comparison: 7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.
Flood and insurance
$2,173 a year
Median of 43 Kansas City ZIPs' average homeowners premiums, 2022. Premiums have risen since; get quotes for your address.
- Federal flood insurance
- 743 policies in force · 454 claims since 2000FEMA National Flood Insurance Program, summed over 47 ZIPs (policies in force Jun 30, 2026; claims since 2000). Private flood policies aren't counted.
- Policies insurers didn't renew
- 1.3% in the median ZIPU.S. Treasury Federal Insurance Office, 2022.
Most homeowners policies exclude flood, so flood insurance is a separate policy. Source: FEMA FloodSmart: What is my flood risk?, retrieved 2026-10-09 (opens in a new tab) Check an address on FEMA's flood map (opens in a new tab)
County hazard ratings (FEMA)
Natural hazards, compared with other U.S. counties
- Jackson County, MO: expected yearly losses rated very high for tornado, hail; expected yearly losses rated relatively high for inland flooding, heat wave, winter weather.
Other ratings for Jackson County, MO
- EarthquakeRelatively Low
- WildfireVery Low
- HurricaneNo Expected Annual Losses
- Clay County, MO: expected yearly losses rated relatively high for heat wave, tornado, winter weather, hail.
Other ratings for Clay County, MO
- EarthquakeRelatively Low
- WildfireRelatively Low
- HurricaneNo Expected Annual Losses
- Inland floodingRelatively Moderate
- Platte County, MO: expected yearly losses rated relatively high for tornado, winter weather.
Other ratings for Platte County, MO
- EarthquakeVery Low
- WildfireRelatively Low
- HurricaneNo Expected Annual Losses
- Inland floodingRelatively Moderate
- Heat waveRelatively Moderate
- HailRelatively Moderate
- Cass County, MO: expected yearly losses rated relatively high for tornado, winter weather, hail.
Other ratings for Cass County, MO
- EarthquakeRelatively Low
- WildfireVery Low
- HurricaneVery Low
- Inland floodingRelatively Moderate
- Heat waveRelatively Moderate
FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county (NRI December 2025): expected annual losses to buildings, people and agriculture; FEMA's social-vulnerability adjustments aren't included. This describes each county, not one home. Check an address on FEMA's flood map; in a high-risk flood zone, a federally backed loan requires flood insurance.
What's new in Kansas City
Rail openings, zoning changes and big projects from primary sources, newest first. News, not a price forecast.
- Rail opened
Streetcar reaches Berkley Riverfront
The Riverfront extension adds a new stop serving Berkley Riverfront Park and the stadium area. Pin marks the agency’s Riverfront stop.
KC Streetcar Authority, Riverfront opening (opens in a new tab) - Rail opened
Main Street streetcar extension opens to UMKC
The extension brings streetcar service south of Union Station. Pin marks the new Plaza stop; the opening date is October 24, not September 26.
KC Streetcar Authority, Main Street opening recap (opens in a new tab)
Rules in Missouri
From state law, standard contract forms and local custom. Research, not legal advice.
- ClosingRule
- A title company runs the closing and holds the money.
- Seller's disclosureRule
- Not generally required (Seller's Disclosure Statement (association form)).
- Closing taxesRule
- Missouri and Kansas City charge no transfer or mortgage tax at closing in our research; recording fees still apply.
How buying works in Missouri
- Who runs the closing
- A title company runs the closing and holds the money. Typical time from contract to keys: about 30 days.
- The contract
- Your signed offer becomes a binding contract once the seller accepts it.
Details
Kansas City Regional Association of REALTORS Residential Real Estate Sale Contract (defaults not reviewed)
- Buyer agreement
- Written buyer's agency agreement signed by the designated broker, signed before touring.
Details
Brokerage agreements must be written and entered into by the designated broker (RSMo 339.780); NAR's 2024 rule requires one before touring.
Source: RSMo §339.780 written agreements for brokerage services (statute; section cited via NAR 2024 report)
- Inspection
- About 10 days for inspections.
Details
Sample; set in the contract.
- Earnest money
- 1–2% of the price, due within 3 days, held by: Listing broker escrow account or title company.
Details
Sample values; the contract sets them.
- Seller's disclosure
- Not generally required (Seller's Disclosure Statement (association form)).
Details
Missouri has no seller-disclosure statute; the association contract asks for the form and sellers may not conceal known defects [low confidence].
Source: RSMo §339.100.2(13) inducements conditioned on a purchase (effective 2026-08-28, retrieved 2026-09-27)
- Loan and appraisal
- Loan contingency: 21 days (set in the contract).
Details
Sample; appraisal and financing terms are set in the contract.
- Title insurance
- Who pays for the owner's policy varies; the contract decides.
Details
Negotiated in the contract; custom not verified.
- Property tax for a new owner
- Your property tax follows the county's assessed market value. About 1.1% of the price a year is our planning figure for Kansas City; your bill can differ.
Details
Reassessed in odd years; homes are assessed at 19% of market value; a sale doesn't reset value.
Census ACS 2020–2024 median tax ÷ median value in Kansas City (1.10%). Missouri reassesses in odd years at 19% of market value; a sale doesn't reset it. Parts of the city lie in Clay and Platte counties. Owner-reported values lag the market; treat as an estimate.
- Agent credits to the buyer
- Missouri doesn't allow an agent to credit part of their pay to the buyer: ask for a lower price instead.
Details
Licensees may not use money or gifts conditioned on a purchase as an inducement (RSMo 339.100.2(13)); a seller's own concession to the buyer is not covered.
Source: RSMo §339.100.2(13) inducements conditioned on a purchase (effective 2026-08-28, retrieved 2026-09-27)
Closing taxes
Missouri and Kansas City charge no transfer or mortgage tax at closing in our research; recording fees still apply.
Sources (7)
- RSMo §339.100.2(13) inducements conditioned on a purchase · effective 2026-08-28, retrieved 2026-09-27 (opens in a new tab)
- RSMo §339.780 written agreements for brokerage services · statute; section cited via NAR 2024 report (opens in a new tab)
- NAR, Written Buyer Agreements: State Groupings (the 27 states with buyer-agreement laws) · August 2024 (opens in a new tab)
- Census ACS 2020–2024 5-year, city: median real estate taxes paid (B25103) ÷ median home value (B25077) · ACS 2020–2024 (opens in a new tab)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (Tables 4–5; Homiy cites a few derived state figures) · 2023 data, published July 2026 (opens in a new tab)
- Census CHARS 2025: average contract price per sq ft of new contractor-built houses (excludes lot), by region · 2025 (opens in a new tab)
- FHFA 2026 conforming loan limits, county file · 2026 (opens in a new tab)
Programs and deadlines
Official pages for Kansas City, the same for every buyer. Each program decides who qualifies.
- Down-payment help
- First Place (opens in a new tab) (Missouri Housing Development Commission (MHDC))Below-market mortgages for first-time buyers and qualified veterans, with an option for cash assistance toward the down payment and closing costs.Official page, checked 2026-09-28.Missouri's housing finance agency runs it; the program decides who qualifies and for how much.
- Down-payment help in Kansas City
- We found no city or county down-payment program for Kansas City. Where we looked: the City of Kansas City's Housing and Community Development pages and web searches, which found state (MHDC) and nonprofit programs but no city program.Checked 2026-09-28.
- Homestead exemption
- Property Tax Credit (opens in a new tab) (Missouri Department of Revenue)The Property Tax Credit ('circuit breaker') is for certain senior citizens and 100% disabled individuals: up to $1,100 for owners, based on taxes paid and household income.Official page, checked 2026-09-28.
- If you disagree with your assessment
- Board of Equalization Appeals (opens in a new tab) (Jackson County, Missouri)File a formal appeal to the Jackson County Board of Equalization online; applications aren't accepted by email or fax.When: the second Monday in July (July 13, 2026) (the 2026 window has closed; it opens again next year)Official page, checked 2026-09-28.
- After you buy: alerts on your deed
- Recorder of Deeds property alerts (opens in a new tab) (Jackson County Recorder of Deeds)Sign up for alerts on properties you own that are recorded in the Jackson County Recorder of Deeds office.Official page, checked 2026-09-28.
Sample homes in Kansas City, each with its estimated monthly cost and the things to check. Found one somewhere else? Check it here.
Sources (29)
- FHFA House Price Index, five-digit ZIP codes, annual (developmental, all-transactions) · 2000–2025 (updated 2026-03-31) (opens in a new tab)
- FHFA House Price Index, purchase-only, not seasonally adjusted, quarterly: Kansas City, MO-KS (metro area 28140) · 2000 Q1–2026 Q2 (opens in a new tab)
- U.S. Census Bureau, American Community Survey 5-year estimates (ZCTA), with 90% margins of error: population, median household income, median home value, median gross rent, median real estate taxes paid, median monthly owner costs with a mortgage, owner-occupied share and units, owner homes in buildings with 5+ units, median year built · ACS 2020–2024 (opens in a new tab)
- U.S. Census Bureau, American Community Survey 5-year estimates (ZCTA): population and its margin of error, for the 5-year change and its significance test · ACS 2015–2019 (opens in a new tab)
- FHFA House Price Index, five-digit ZIP codes, annual (developmental, all-transactions) · 2025 (updated 2026-03-31) (opens in a new tab)
- U.S. Census Bureau, 2020 ZCTA to place relationship file, 2025 Gazetteer and cartographic boundaries (city ZIPs, centers, bounds) · 2020 ZCTAs; 2025 place boundaries (opens in a new tab)
- U.S. Census Bureau, Population Estimates, Vintage 2025 (metropolitan and micropolitan areas) · July 2020 → July 2025 (opens in a new tab)
- U.S. Census Bureau, Building Permits Survey: new privately-owned housing units authorized, by CBSA · Sep 2025–Aug 2026 (opens in a new tab)
- FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county · NRI December 2025 (opens in a new tab)
- U.S. Department of Housing and Urban Development, Small Area Fair Market Rents by ZIP code, FY2027 · FY2027 (from Oct 1, 2026) (opens in a new tab)
- FEMA, OpenFEMA API: NFIP Redacted Policies, version 3 (policies in force). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). · in force Jun 30, 2026; data refreshed 2026-07-27; accessed 2026-09-27 (opens in a new tab)
- FEMA, OpenFEMA API: NFIP Redacted Claims, version 3 (claims since 2000). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). · data refreshed 2026-08-04; accessed 2026-09-27 (opens in a new tab)
- U.S. Treasury, Federal Insurance Office: Analyses of U.S. Homeowners Insurance Markets, 2018–2022, Supporting Underlying Metrics by ZIP code (premiums per policy, nonrenewal rate) · 2018–2022 (published January 2025) (opens in a new tab)
- FHFA House Price Index, purchase-only, not seasonally adjusted: Kansas City, MO-KS (metro area 28140) · 2026 Q2 (opens in a new tab)
- FHFA House Price Index, all-transactions, not seasonally adjusted: Kansas City, MO-KS (metro area 28140), calendar-year averages of the quarterly index · 2020–2025 (opens in a new tab)
- U.S. Bureau of Labor Statistics, Current Employment Statistics, total nonfarm, not seasonally adjusted (series SMU29281400000000001) · Aug 2026 (preliminary) (opens in a new tab)
- U.S. Census Bureau, American Community Survey 5-year estimates for the city of Kansas City, MO (Census place 2938000): median home value, median household income, median gross rent, with 90% margins of error · ACS 2020–2024 (opens in a new tab)
- FFIEC Home Mortgage Disclosure Act (HMDA) data: 2025 Snapshot National Loan-Level Dataset (data as of June 1, 2026), via the CFPB HMDA Data Browser; Homiy's calculations · 2025 loans; retrieved 2026-09-27 (opens in a new tab)
- U.S. Department of Housing and Urban Development, FHA forward mortgage limits, one-unit limit for Jackson County, MO · CY2026 (Mortgagee Letter 2025-23) (opens in a new tab)
- FTA National Transit Database, General Transit Feed Specification Weblinks: the public-domain GTFS feeds agencies must publish · retrieved 2026-09-27 (opens in a new tab)
- Kansas City, City of Missouri: GTFS schedule (agency's current link: the NTD link's host has an expired certificate) · scheduled service 2026-09-06 to 2026-10-03 (opens in a new tab)
- RSMo §339.100.2(13) inducements conditioned on a purchase · effective 2026-08-28, retrieved 2026-09-27 (opens in a new tab)
- RSMo §339.780 written agreements for brokerage services · statute; section cited via NAR 2024 report (opens in a new tab)
- NAR, Written Buyer Agreements: State Groupings (the 27 states with buyer-agreement laws) · August 2024 (opens in a new tab)
- Census ACS 2020–2024 5-year, city: median real estate taxes paid (B25103) ÷ median home value (B25077) · ACS 2020–2024 (opens in a new tab)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (Tables 4–5; Homiy cites a few derived state figures) · 2023 data, published July 2026 (opens in a new tab)
- Census CHARS 2025: average contract price per sq ft of new contractor-built houses (excludes lot), by region · 2025 (opens in a new tab)
- FHFA 2026 conforming loan limits, county file · 2026 (opens in a new tab)
- Freddie Mac average (Primary Mortgage Market Survey) · Sep 24, 2026 (opens in a new tab)