Clay County, MO real estate

What the numbers say

Clay County, MO real estate at a glance

By AstroCore · Realtor.com, US Census and Freddie Mac data

In September 2026, the median home in Clay County listed for $395,375, down 4.2% from a year earlier. That is 32% above the Missouri median of $300,000.

Homes spent a median of 46 days on the market, faster than 52 days a year ago. That makes Clay County the #3 fastest-selling of 21 Missouri counties we track.

Homeowners in Clay County pay a median of $2,941 a year in property taxes on a median home value of $275,600, an effective rate of about 1.07%. The Missouri average is 0.85%, which makes Clay County the #111 lowest-tax of 115 counties in the state with published tax data.

Renters pay a median of $1,243 a month, and $1,204 for a two-bedroom. At today's prices a typical home costs about 27 times a year's rent, which generally favors renting over buying in the short term.

With 20% down and today's 7.24% average 30-year rate, the monthly payment on a $395,000 home here comes to about $2,672 including property tax and insurance. Lenders typically want that to be under 28% of income, which works out to roughly $115,000 a year (the median household here earns $88,468).