Holt, Missouri.
Typical home $411,166 (+6.7% in a year). Kansas City, MO-KS metro.
to buy the typical home at today's mortgage rate — +$1,277 (+145%) since Jan 2020.
- 1 year
- Up $25,848 +7%
- $385,318$411,166 since Sep 2025
- 5 years
- Up $107,591 +35%
- $303,575$411,166 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.
- Holt$2,158
- 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 Holt, MO rose 6.7% over the past year — faster than the nation's +1.2%.
Living in Holt, Clay County, Missouri
Holt is a city of 471 people in Clay County. Half its households earn more than $73,125 a year and half less, against $88,468 across Clay County; 10% of its people live below the poverty line. Unemployment in Clay County was 3.3% in August 2026, and the county had 0.9% fewer jobs in 2025 than the year before. The most people in Clay County 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 It can be wrong or out of date.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. Holt is a very small city in Clay County, Missouri, where everyone is likely to know one another by sight. Household incomes run below the county's, and homes here are typically valued well above what many might expect for a place this size. Winters are cold, with a fair amount of snow, and summers turn properly hot.
Work. Residents work mostly in schools, hospitals and social care, with professional and business services, shops and manufacturing also employing many. The commute is a fairly long one, and very few people work from home. Across Clay County, some of the largest employers are Ford Motor Company, which builds trucks and vans, North Kansas City 74 Schools and North Kansas City Hospital.
Things to do. A short drive away, Shoal Creek and Camp Branch offer quiet waterways, and Watkins Woolen Mill State Park and State Historic Site is a protected area with a historic mill. Farther afield, a longer drive brings you to the Harry S. Truman Presidential Library and Museum and to Arrowhead Stadium, one of the best known sports venues in the region.
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- 10%below the poverty line
- 31 mintypical commute
- 2%work from home
What people in Clay County work in
Employed residents by industry, from the Census survey. Clay County had 110,830 jobs in 2025, 0.9% fewer 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, 6 miles away (NOAA).
Largest workplaces in Clay County
- Ford Motor CompanyManufacturing of trucks and vans9,000
- North Kansas City 74 SchoolsSchool district3,135FTE
- North Kansas City HospitalGeneral hospital2,782FTE
- Garney Holding CompanyUtility line, construction2,589
- Safe Haven Security ServicesAlarm system monitoring services2,200
- Liberty 53 SchoolsSchool district1,896FTE
- AmazonCouriers and express delivery services1,727
- FedExCourier and express delivery services1,681
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 230 workplaces with 20 or more staff, 43,555 people in all across the county; Holt 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
- HailRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- Heat wavesRelatively high
- Inland floodingrelatively high in parts of HoltRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Holt’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Clay County and the Kansas City, MO-KS metro.
Holt home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Holt$411,166
- 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.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Holt17
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Holt address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Holt — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.