Smithville, Missouri.
Typical home $377,345 (+2.0% in a year), asking rent $1,862 . Kansas City, MO-KS metro.
to buy the typical home at today's mortgage rate — +$1,069 (+117%) since Jan 2020.
- 1 year
- Up $7,435 +2%
- $369,911$377,345 since Sep 2025
- 5 years
- Up $70,858 +23%
- $306,487$377,345 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.
- Smithville$1,981
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Smithville, MO rose 2.0% over the past year — faster than the nation's +1.2%.
Living in Smithville, Clay County, Missouri
Smithville is a city of 10,406 people in Clay County. Half its households earn more than $101,165 a year and half less, against $88,468 across Clay County; 5% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. 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 residents 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 It can be wrong or out of date.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. Smithville is a small city in Clay County where nearly all homes are lived in by their owners, and renters are few. Household incomes run higher than across the county, and fewer residents live below the poverty line than you might expect for a city this size. The typical resident is of middle age, and many have a fairly long commute, though a good number work from home.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, retail and professional and business services also employing many. Among the largest workplaces in Smithville are Smithville R-II Schools, Saint Luke's North Hospital--Smithville and Heritage Tractor. Unemployment in Clay County is low, though the county has fewer jobs than it did a year earlier.
Things to do. Smithville Lake, a reservoir in or beside town, is the nearest place for time on the water, and Wilkerson Creek and First Creek also run in or beside town. A longer drive brings you to the Harry S. Truman Presidential Library and Museum and The Nelson-Atkins Museum of Art, both museums. Winters are cold and summers warm, with a moderate amount of rain and melted snow through the year.
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- 4,075households
- 32%of adults have a degree
- 5%below the poverty line
- 28 mintypical commute
- 14%work from home
What residents 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 36° and lows near 16°; warmest in July, with highs near 86° and lows near 68°. About 40 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Smithville Lake weather station, a mile away (NOAA).
Largest workplaces in Smithville
- Smithville R-II SchoolsSchool district331FTE
- Saint Luke's North Hospital--SmithvilleGeneral medical and surgical hospitals127
- Calyx PeakCultivation services102
- Heritage TractorFarm machinery and equipment merchant wholesalers27
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 256 people in all. School districts come from the Common Core of Data (NCES, 2023–24); 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
- TornadoesVery high
- HailRelatively high
- Heat wavesRelatively high
- Inland floodingRelatively high
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Smithville’s 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 Clay County and the Kansas City, MO-KS metro.
Smithville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Smithville$377,345
- Missouri$265,387
- United States$366,157
Sellers are cutting prices on about 1 in 5 Smithville listings — the market is heating up.
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.
- Smithville21.73%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Smithville49
New listings per month
Sellers arriving at the market.
- Smithville26
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Smithville$411,371
- United States$370,717
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Smithville99.37%
Zip codes with a Smithville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Smithville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.