Crystal Lakes, Missouri.
Typical home $208,864 (+4.6% in a year). Kansas City, MO-KS metro.
to buy the typical home at today's mortgage rate — +$674 (+160%) since Jan 2020.
- 1 year
- Up $9,199 +5%
- $199,665$208,864 since Sep 2025
- 5 years
- Up $56,379 +37%
- $152,485$208,864 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Crystal Lakes$1,096
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Crystal Lakes, MO rose 4.6% over the past year — faster than the nation's +1.2%.
Living in Crystal Lakes, Ray County, Missouri
Crystal Lakes is a city of 390 people in Ray County. 93% of its homes are lived in by their owners and 7% are rented. Unemployment in Ray County was 3.8% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most people in Ray County work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Crystal Lakes is a very small city in Ray County, Missouri, and nearly everyone who lives there owns their home. Few adults hold a four-year degree compared with many places. Homes cost less than in much of the country. Winters are cold, with a fair amount of snow, and summers turn hot, with rain and melted snow spread through the year.
Work. Residents work mostly in schools, hospitals and social care, with others in manufacturing, shops and the building trades. Across Ray County, some of the largest workplaces are Henkel US Operations Corporation-Richmond, Walmart and Richmond R-xvi Schools. Almost no one works from home, and the typical trip to work is a fairly long one.
Things to do. Close by, Watkins Woolen Mill State Park and State Historic Site is a protected area a short drive away, and Keeney Creek and Williams Creek are small waterways within a short drive as well. For a longer outing, the Harry S. Truman Presidential Library and Museum is a museum a longer drive away, and Arrowhead Stadium is a stadium a longer drive away.
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- 14%of adults have a degree
- 27 mintypical commute
- 1%work from home
What people in Ray County work in
Employed residents by industry, from the Census survey. Ray County had 4,035 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 17°; warmest in July, with highs near 88° and lows near 67°. About 19 inches of snow and 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Kearney 3E weather station, 8 miles away (NOAA).
Largest workplaces in Ray County
- Henkel US Operations Corporation-RichmondAdhesives manufacturing280
- WalmartWarehouse clubs and supercenters263
- Richmond R-xvi SchoolsSchool district213FTE
- RAY County Memorial HospitalCritical access hospital181FTE
- Lawson R-xiv SchoolsSchool district110FTE
- Harps Food StoreRetail grocery104
- Ideal IndustriesSheltered workshops80
- Orrick R-XI SchoolsSchool district44FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 774 people in all across the county; Crystal Lakes has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesVery high
- Inland floodingVery high
- Winter weatherVery high
- TornadoesVery high
- Heat wavesRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Crystal Lakes’ census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ray County and the Kansas City, MO-KS metro.
Crystal Lakes home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Crystal Lakes$208,864
- Missouri$265,387
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Crystal Lakes address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Crystal Lakes — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.