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Prototype of a planned home-buying brokerage for the 50 largest U.S. cities. Not a licensed brokerage in any state, and no brokerage services are offered. Listings, people and companies are sample data; market statistics are real public data, cited where shown.

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Trends · Missouri

House prices and costs in Kansas City, MO

How house prices moved across 47 Kansas City ZIP codes, what buyers here borrowed and paid, what's new and how buying works in Missouri. Public data, with sources and dates. Past change, not a forecast.

Kansas City, MO-KS metro house prices +2.8% in the year to 2026 Q2 (FHFA, purchases)

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.

How house prices moved in Kansas City, 2022–2025

Of 30 ZIPs with enough data, 27 rose 7% or more, 0 fell 7% or more and 1 moved less (no clear change); 2 swung too much from year to year to rank. Past rankings are a weak guide: of the ZIPs in their city's top 3 for 2019–2022, 25 of 134 (about 1 in 5) were top 3 again for 2022–2025; chance alone would give about 21. Past change, not a forecast.

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. Tap a ZIP to see it on the map.

Largest house-price rises, 2022–2025

3-year change of the ZIP index; ZIPs with an index every year, 5,000+ residents and 1,000+ owner-occupied homes. Left out as too jumpy: a ZIP whose index rose 7% or more in one year and fell as much in another. Each year's change below.

  1. 1ZIP 641292023 +12.0% · 2024 +3.2% · 2025 +8.7%+25.6%
  2. 2ZIP 641272023 +13.3% · 2024 +1.8% · 2025 +8.5%+25.1%
  3. 3ZIP 641172023 +15.5% · 2024 +5.5% · 2025 +2.5%+24.9%
  4. 4ZIP 641342023 +9.4% · 2024 +7.7% · 2025 +5.6%+24.4%
  5. 5ZIP 641162023 +11.4% · 2024 +7.2% · 2025 +2.1%+21.9%

Largest house-price falls, 2022–2025

3-year change of the ZIP index; ZIPs with an index every year, 5,000+ residents and 1,000+ owner-occupied homes. Left out as too jumpy: a ZIP whose index rose 7% or more in one year and fell as much in another. Each year's change below.

No Kansas City ZIP's house prices fell 7% or more from 2022 to 2025.

Lowest owner-reported values

Median value owners report (Census ACS 2020–2024). Left out: ZIPs under 1,000 residents, less reliable estimates, and ZIPs where most owners live in condos or co-ops.

  1. 1ZIP 64126± $8.3K · ≈ $486/mo housing payment (est.) on a house, 20% down$57K
  2. 2ZIP 64128± $8.3K · ≈ $657/mo housing payment (est.) on a house, 20% down$85K
  3. 3ZIP 64130± $6.7K · ≈ $668/mo housing payment (est.) on a house, 20% down$86K
  4. 4ZIP 64127± $11K · ≈ $698/mo housing payment (est.) on a house, 20% down$91K
  5. 5ZIP 64124± $11K · ≈ $829/mo housing payment (est.) on a house, 20% down$112K

Population grew most

Residents, 2015–2019 to 2020–2024 (Census ACS): only changes larger than the margin of error, in ZIPs with 1,000+ residents.

  1. 1ZIP 641631,181 residents+35.7%
  2. 2ZIP 64105 · includes Crossroads6,312 residents+26.2%
  3. 3ZIP 64108 · includes Crossroads10,495 residents+24.2%
  4. 4ZIP 64154 · includes Northland13,851 residents+23.0%
  5. 5ZIP 6412311,833 residents+20.4%

Public loan records · 2025

What buyers here actually borrowed and paid (2025)

2025 home-purchase loans (first liens) on owner-occupied 1–4 unit homes in Kansas City's census tracts: 5,097 loans. These are loans that closed in Kansas City, not offers: a rate depends on your credit, down payment, points and the day you lock it.

Interest rate, 30-year fixed (conventional)
6.375% to 6.875%Middle half of loans; median 6.625% · 3,186 loans
Loan costs at closing
$2,864 to $4,414Middle half; median $3,358. Origination charges (points included) and settlement services, Closing Disclosure section D · 3,693 loans
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: every loan on the home (second loans, down-payment-assistance loans and financed FHA or VA fees too) ÷ 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.
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)

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. Source: 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).

Research · dated and sourced

What's new in Kansas City

Rail openings, zoning changes and big projects from primary sources, newest first. Stars on the map mark the ones with a location. News, not a price forecast.

  1. 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.

    Near ZIP 64106

    KC Streetcar Authority, Riverfront opening
  2. 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.

    Near ZIPs 64110, 64112

    KC Streetcar Authority, Main Street opening recap

Metro area · public data

Kansas City, MO-KS

House prices, year to 2026 Q2
+2.8%FHFA purchase-only index
House prices, 5 years to 2026 Q2
+34.9%FHFA purchase-only index
House prices, 2025
+4.3%All sales and refinances, like the ZIP figures; 2022–2025: +18.2%
New homes permitted
4.8 per 1,000 residents10,918 homes · +13.6% vs a year earlier · Sep 2025–Aug 2026
Jobs, 12 months
+0.7%Aug 2026 (preliminary)
Population, July 2020 to July 2025
+3.4%2,270,682 residents in July 2025 (Census estimates)
Mortgage rate benchmark
7.03%Freddie Mac average, week of Sep 24, 2026

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. New homes permitted is a supply signal: more permits per resident usually means more homes coming to market. Jobs, permits and population cover the whole metro.

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 this home. Check the address on FEMA's flood map; in a high-risk flood zone, a federally backed loan requires flood insurance.

Sources (9)

Research summary · not legal advice

How buying works in Missouri

The usual steps, deadlines and closing costs for a purchase in Kansas City, from state law, standard contract forms and local custom. Contracts can change any of it. Homiy is a prototype: it isn't a licensed brokerage in Missouri and offers no services here.

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.

Programs and after you buy

Down-payment help
First Place (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 (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 (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 (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.
Sources (7)

Methodology

How we measure, and what it isn't

Past change, not a forecast. These figures describe the past from public data; they don't tell you where prices go next.

House prices by ZIP, and the rankings

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. It's built from repeat sales and refinance appraisals of the same homes, not average sale prices, and FHFA publishes no margin of error for it. We rank ZIPs by the change over the last 3 years, only where FHFA published the index in every one of them, and only ZIPs with 5,000+ residents and 1,000+ owner-occupied homes. A change smaller than 7% either way is “no clear change”: in our 50 cities, the index's own year-to-year swings suggest sampling alone can move a three-year change about that much. A ZIP whose index rose 7% or more in one year and fell as much in another is left out as too jumpy. We show rises and falls, each year's change, and the city's and metro's figures for the same years. Past rankings are a weak guide: of the ZIPs in their city's top 3 for 2019–2022, 25 of 134 (about 1 in 5) were top 3 again for 2022–2025; chance alone would give about 21. Many ZIPs, especially dense ones, have no index.

City and metro price figures

City: the resident-weighted average of its ZIPs that have an index (the ZIP card says when that's only part of the city). Metro: FHFA's all-transactions index over the same calendar years, the ZIPs' method; the metro card also shows FHFA's purchase-only index for the latest quarter against a year and five years earlier. Where FHFA splits a metro into divisions (New York, Miami, Detroit and others), the division's index, named where it's shown. Jobs, permits and population always cover the whole metro.

Payment ÷ income

Monthly housing payment (est.) on a house at the ZIP's median value: 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments · 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. Property tax uses Kansas City's rule for a new buyer (about 1.1% of the price a year, our planning figure); insurance is a typical premium. Not included: upkeep, utilities, flood insurance, special assessments. Divided by a month of the ZIP's median household income. The Census reports values over $2 million and incomes over $250,000 only as “or more”, so those shares are bounds (“at least”, “at most”). Left out where 50% or more of owner-occupied homes are in buildings with 5+ units: their HOA dues or co-op charges aren't in the payment. It combines two estimates, so no margin is computed. 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.

Census figures and margins of error

American Community Survey 5-year estimates, 2020–2024: the median value owners report for their homes (it lags sale prices; co-op owners report the value of their shares), median rent with utilities, median household income, residents, and the property tax and monthly costs owners report. Each comes with its 90% margin of error (±). Figures whose margin is 20–49% of the estimate are marked “less reliable” and left out of rankings and tags; figures with wider margins aren't shown. A population change (from 2015–2019) is shown only when it passes the Census Bureau's 90% significance test; otherwise it says “no clear change”. Kansas City's own figures come from the Census's estimates for the city itself where published; otherwise they blend its ZIPs (no margin computed). Lists leave out ZIPs with fewer than 1,000 residents.

Tags

Lower home values:
The median value owners report is in the lowest quarter of the city's ZIPs (Census ACS). Less reliable estimates and ZIPs where most owners live in condos or co-ops aren't compared.
Population grew:
Residents rose 5% or more between the two latest five-year Census surveys, by more than the margin of error.
Mostly condos or co-ops:
Half or more of owner-occupied homes are in buildings with 5 or more units. Values there leave out HOA dues and co-op charges, so they aren't ranked.
New rail nearby:
A rail station opened within about a mile in 2023–2026.

“New rail nearby” uses our dated news pins: a ZIP whose center is within 1,600 m of a station that opened, plus the ZIP the station sits in. No tag describes price momentum.

Hazards and flood insurance

FEMA's National Risk Index rates each county's expected yearly losses from each hazard against all U.S. counties; we show those Expected Annual Loss ratings for every county the city lies in, without FEMA's social-vulnerability adjustments. They describe counties, not homes. Flood insurance counts are policies and claims in the federal program (NFIP) only. Check an address's flood zone on FEMA's flood map.

What buyers borrowed and paid

Public HMDA loan records: home-purchase first liens on owner-occupied 1–4 unit homes in the city (the card names the area covered), with the number of loans behind each figure. Loans that closed, not offers or quotes.

Neutral by design

We describe prices, payments, population counts, construction and rail lines. We don't describe places by who lives there, schools or crime, and we don't call areas “up-and-coming”, “transitional” or “safe”. Choose where to live for your own reasons.

Sources and dates