Grain Valley, Missouri.
Typical home $332,369 (+1.1% in a year), asking rent $1,688 (+2.8%). Kansas City, MO-KS metro.
to buy the typical home at today's mortgage rate — +$895 (+105%) since Jan 2020.
- 1 year
- Up $3,456 +1%
- $328,913$332,369 since Sep 2025
- 5 years
- Up $45,993 +16%
- $286,376$332,369 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.
- Grain Valley$1,745
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 23 years.
Typical home values in Grain Valley, MO rose 1.1% over the past year — in step with the nation.
Asking rents in Grain Valley, MO rose 2.8% over the past year — in step with the nation.
Owning the typical home in Grain Valley runs $722/mo more than renting one. The gap peaked at $1,012 in Oct 2023.
That is $2,410 a month against $1,688 rent: a $1,745 mortgage payment, plus $309 property tax and $356 insurance & upkeep.
Owning vs renting — Grain Valley
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,410
- Renting$1,688
- Mortgage only$1,745
Property tax · $309/mo 1.12% of value a year — the ACS 2020-2024 median bill over the median home value for Jackson County, MO
Insurance & upkeep · $356/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Grain Valley, Jackson County, Missouri
Grain Valley is a city of 15,627 people in Jackson County. Half its households earn more than $89,649 a year and half less, against $68,577 across Jackson County; 10% of its people live below the poverty line. 65% of its homes are lived in by their owners and 35% are rented. Unemployment in Jackson County was 3.8% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
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. Grain Valley is a small city in Jackson County, Missouri, on the eastern side of the Kansas City area. Households here have incomes well above the county's, and most homes are lived in by their owners, with fewer renters than across the county. The population skews somewhat young, and winters are cold while summers run hot, with a fair amount of rain and melted snow through the year.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services, shops and the building trades. The largest workplaces in town include Grain Valley R-V Schools, ST Marys Medical Center and KB Signaling Operation, a maker of railroad signaling equipment. A fair number of people work from home, and the commute for everyone else is moderate.
Things to do. Lake Jacomo and Blue Springs Lake, a reservoir, are both a short drive away and good for time on the water. A longer drive brings you into Kansas City, where there are places such as the Harry S. Truman Presidential Library and Museum, the Nelson-Atkins Museum of Art and Kauffman Stadium.
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- 6,119households
- 27%of adults have a degree
- 10%below the poverty line
- 26 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Jackson County had 374,810 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 22°; warmest in July, with highs near 88° and lows near 70°. About 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Lees Summit Municipal Airport weather station, 9 miles away (NOAA).
Largest workplaces in Grain Valley
- Grain Valley R-V SchoolsSchool district728FTE
- St Marys Medical CenterGeneral hospital284FTE
- KB Signaling Operation - Grain ValleyRailroad signaling equipment manufacturing175
- Lincare IncOxygen equipment rental66
- Velodyne Dynamics, LLC - Grain ValleyWater treatment equipment manufacturing28
- CareVet TMSVeterinary services25
- Chapman Acquisitions GroupElectrical contractors21
- Gaumats InternationalCountertops, stone, manufacturing20
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 335 people in all. 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
- Heat wavesRelatively high
- Hailrelatively high in parts of Grain ValleyRelatively moderate
- Tornadoesrelatively high in parts of Grain ValleyRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Grain Valley’s census tracts, against the rest of the country; all of them together, relatively low. 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 Jackson County and the Kansas City, MO-KS metro.
Grain Valley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Grain Valley$332,369
- Missouri$265,387
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Grain Valley listings, and the typical home goes pending in 10 days — the market is cooling.
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.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Grain Valley34.90%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Grain Valley53
New listings per month
Sellers arriving at the market.
- Grain Valley27
Zip codes with a Grain Valley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Grain Valley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.