Living in Kansas City, MO

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Moving to Kansas City, Missouri? There is a lot to love about this fast-growing city. Many people come here because of the booming job market. But when you arrive, you will discover that the allure of this metropolitan area goes far beyond employment opportunities to encompass a low cost of living, beautiful neighborhoods, top-shelf educational institutions, and more.

In this guide, we will tell you about all of these aspects of living in Kansas City and more. Let’s jump in.



Cost of Living in Kansas City Missouri

What is the Cost of Living in Kansas City?

Sperling’s Best Places provides us with detailed cost of living data for Kansas City, Missouri.

This website uses a scale to compare the cost of living for Kansas City to the cost of living statewide and across the country. On that scale, 100 represents the nationwide average. Numbers above 100 are more expensive than the nationwide average. Numbers below 100 are less expensive than the nationwide average.

On that scale, the cost of living for Kansas City overall is rated at 86.2. The cost of living for Missouri on average is rated at 85.9.

This makes it significantly less expensive to live in Kansas City than it does across the country on average. It is also only marginally more expensive to live in Kansas City than it is to live in Missouri on average. That means that the cost of living in this city is quite affordable for a metropolitan area.

Sperling’s breaks down costs support costs categories. For the majority of categories, Kansas City is more affordable than the US average. That includes savings on groceries, healthcare costs, transportation and housing.

Housing Cost in Kansas City Missouri

What is the Cost of Housing in Kansas City?

In fact, housing is where you will see some of the most impressive savings in Kansas City. On the same scale where the US average cost is 100, the cost of housing in Kansas City is rated at 63.3. Interestingly enough, that also makes it less expensive than the Missouri average, which is rated at 69.

What does that amount to in terms of dollar costs? $291,700 is the nationwide average cost for housing. $195,300 is the median home cost listed for Kansas City.

So, by moving to Kansas City, MO, you have a great chance to save on housing, which can help you get ahead financially.

Employment Opportunities in Kansas City Missouri

Employment Opportunities in Kansas City

According to data from the US Census, the median household income in Kansas City, MO from 2016 through 2020 was $56,179.

Quite a few major companies are based in Kansas City, including American Century Investments, Hostess Brands, H&R Block, Hallmark Cards, Novastar Financial, Lockton Companies, and others.

The top employers in Kansas City are the public school system, the federal government, the state, county and city governments, Cerner Corporation, HCA Midwest Health System, Saint Luke’s Health System, Children’s Mercy Hospitals and Clinics, T-Mobile, The University of Kansas Hospital, and Hallmark Cards, Inc.

Education in Kansas City Missouri

Education in Kansas City

Sperling’s reports that Kansas City schools spend $13,820 on every student, which beats the $12,383 US average.

There are a total of 16 school districts operating in Kansas City. Families have a selection of private and public schools to choose from.

Kansas City is a great place to be located if you are looking for higher education. There are quite a few postsecondary schools in the area.

Some colleges to consider include the University of Missouri-Kansas City, Rockhurst University, Kansas City Art Institute, Park University, Avila University, Baker University, Kansas City University of Medicine and Biosciences, Nazarene Theological Seminary, Metropolitan Community College (Kansas City), and others.

With so many great options, Kansas City is a wonderful place to bring up a family. From elementary school clear through college, students will receive a first-class education.

Getting Around in Kansas City Missouri

Getting Around Kansas City

There are a number of public transit options that can take you through the Kansas City metropolitan area. These include KCATA-RideKC, RideKC Bus and MAX, RideKC Streetcar, RideKC Bridj, and Amtrak.

Do you like to walk? At first glance, you might not think of Kansas City as a particularly walkable city, given that it is not ranked in the top walkable cities. But select neighborhoods such as the Downtown Loop, the Crossroads, the Plaza, and Westport are very walkable.

According to Sperling’s, 80.4% of workers in Kansas City drive to work by themselves, while 8.4% carpool, 4.8% work from home, and 2.9% use mass transportation. Since the pandemic, it is likely that the work from home percentage has increased.

And if you are going to be driving to work, you will be excited to learn that it takes significantly less time on average to commute in Kansas City than it does across the country on average.

The average time for a one-way commute in the US as a whole is 26.4 minutes. The average time for a one-way commute in Kansas City is only 21.8 minutes. So, you could end up saving around 9 minutes a day on your commute time compared to what you might expect elsewhere. Even over the course of a week, that adds up to quite a bit.

Good Weather in Kansas City Missouri

How is the Weather in Kansas City?

If what you are looking for is a comfortable, temperate location with distinct seasons, you should be very happy in Kansas City.

During summer, the temperatures can range up to around 89 degrees Fahrenheit. During winter, they can drop down to around 20 degrees Fahrenheit.

You can expect around 42 inches of rain each year, along with about 15 inches of snow.

Sperling’s has a comfort index that rates climates on a scale where 10 is the best. On that scale, Kansas City has a score of 7.2. That is more comfortable than the US average, which is a 7.

Leisure and Entertainment in Kansas City Missouri

Leisure and Entertainment in Kansas City

Kansas City is renowned throughout the Midwest for its culture. If you are into the performing arts, you will enjoy the Starlight Theatre, the Kansas City Repertory Theatre, and the Kauffman Center for the Performing Arts.

Kansas City also is known for its jazz history, and there are still many spots around town where you can enjoy live jazz music today. Indeed, Kansas City has received the distinction of being called a “City of Music” by UNESCO. No other US city has earned this label.

Some other ways to entertain yourself in Kansas City include visits to attractions such as Worlds of Fun, Science City, the National WWI Museum and Memorial, and the Kansas City Zoo.

If you are looking for green spaces, you can visit locations such as Amity Woods Nature Park, Parkville Nature Sanctuary and Lakeside Nature Center.

Move Into Your Kansas City Dream Home

If you are ready to move to an affordable city with a lot to offer, Kansas City, Missouri, is calling you home. To apply now for a flexible home loan, please call us today at (816) 631-9687 to schedule your consultation. We work with homebuyers and homeowners throughout the country.

See What Our Clients Are Saying About Us!

Excellent
McGowan Mortgages4.9
Based on 237 reviews
Alba M.
5 days ago
Working with you and your team was a truly enjoyable experience. Your professionalism and dedication made the collaboration seamless and productive. I am grateful for the support and expertise you provided throughout the project. Thank you for making it such a positive experience!
Ron
2 weeks ago
Jumpy G.
2 weeks ago
Mike W.
2 weeks ago
Faith B.
1 month ago
Legesse K.
2 months ago
Adrian L.
2 months ago
They was there the whole way love them guys Tim became family and was very helpful with any information he explained it to where you can understand it correctly to your way of knowing and understanding
Chris L.
2 months ago
Super helpful
Marcia H.
2 months ago
I had an excellent experience with McGowan Mortgages. The HELOC process was seamless and easy- which is everything to me because my schedule can get hectic at times. So to have a company that helped make the process smooth was SO nice. Plus, they were able to get me the funds asap which was crucial to the timing and purchase of a property. I would recommend to everyone!
Vickie P.
4 months ago
PURCHASE YOUR HOME WITH MCGOWAN MORTAGE 💞💞I had the best experience ever working with the the staff of McGowan Mortgage ,I built the best relationship through text messages,emails and phone calls Kammi was amazing but when Mr. Derek stepped in it he completed the task himself it was an awesome experience and I recommend this company to everyone in the world ❤️❤️❤️❤️
Carlos O.
4 months ago
Nick M.
5 months ago
They made the whole process super easy and I was able to close quick with a low interest rate. I will definitely use them again for my next home and refinancing.
Lindsay B.
5 months ago
We loved working with McGowan! It was our first time buying a house, and we were so overwhelemed. They were supportive the whole way through and patient explaining everything so we could make the best decisions on our loan choice, how much to put down, saving for closing, etc. Very responsive and could tell genuily care. :)
soran I.
5 months ago
Derek and his team worked tirelessly to get us approved and into our new house, all around the clock. We have worked with several other lenders and can confidently say that the McGowan group far exceeded our expectations. They listened, explained, and walked us through every step. I would recommend McGowan Mortgages 100% with no hesitation to anyone thinking about buying a home. Their level of expertise, especially in this market, will make the difference in securing the house of your dreams with rates you can afford or having made the biggest mistake of your life. I will always come back and know that they are there for my family and I, with any questions we have. I can’t thank the McGowan team enough for their professionalism and dedication to our family during a difficult process made easy.
Summer W.
5 months ago
Myron M.
5 months ago
My Team was fast and very flexible. I appreciate them helping us with our first DSCR Loan. 10/10
addam B.
5 months ago
Dylan P.
5 months ago
Claudia P.
5 months ago
The team was phenomenal to work with and extremely helpful every step of the way. I recommend them to anyone purchasing or refinance their home.
Max D.
6 months ago
McGowan Mortgage was outstanding for both my primary home purchase and an investment property. Their speed was exceptional—everything moved efficiently without ever feeling rushed. The team’s knowledge was clear at every step, from structuring the loans to explaining options in a way that actually made sense. Most impressive was the communication: proactive, responsive, and transparent throughout the entire process. I always knew where things stood and what was coming next. I wouldn’t hesitate to recommend McGowan Mortgage to anyone looking for a smooth, professional mortgage experience.
Rogilyn M.
6 months ago
Fantastic company with a knowledgeable and supportive team. Great processes, clear communication, and a strong commitment to quality. Highly recommend!
Reyn B.
6 months ago
THE BEST!
Spartacus 7.
6 months ago
I am very grateful with McGowan Mortgages, they helped me to get the mortgage for my new house last year, especially when most banks told me it was too difficult or even impossible because I am a self employed, McGowan made simple and possible, I truly recommend them.
Hunter B.
6 months ago
There team is great they worked together to get my heloc funded in 9 days, when I was on a time crunch!!
Maxwell J.
6 months ago
If you want a mortgage lender who is responsive, sharp, honest, and relentless, Max Disser is the guy. We purchased our home in November 2024, and since this was my first home purchase, I expected the process to be stressful and confusing. On top of that, we used a VA loan, which can come with extra steps and specific requirements. Max handled everything like a total professional and made the entire process feel smooth, organized, and completely manageable. He communicated clearly, stayed ahead of deadlines, and always made sure I understood what was happening at every stage. Anytime I had a question, Max responded quickly and confidently, and I never felt left in the dark. What really stood out was how knowledgeable he was with the VA loan process and how well he worked with me as a veteran. He didn’t just “process a loan” — he genuinely cared and made sure I was taken care of from start to finish. If you’re a first-time buyer or a veteran looking to use your VA benefits, I highly recommend Max Disser and the McGowan Mortgages team.
D. B.
6 months ago
Derek and his team worked to find a tailored solution for my circumstance. Responsive and detailed team that will work to find the best product that meets your goals. I would highly recommend this company!
Jacob S.
7 months ago
Derek has a great team, and while the process wasn't without hiccups, his team was great to work with and helped every step of the way.
matt B.
8 months ago
Derek got us set up and approved fast so we could put in offers on homes quickly. We got our place and the experience was great. Also during the process as questions or concerns came up he answered quickly and was very professional . We look forward to working with Derek and the McGowan team for future investments.
Paul S.
10 months ago
I have never met a group of people who are experienced when it comes to home buying. It was my first time purchasing a home. I didn't know how to start the home buying process. I was introduced to Tiana, Jessica, Derek and their team who stood up with me and my daughter from the beginning to the end. We were in our house in a timely manner. We will like to say thanks to Derek and his team. ⭐⭐⭐⭐⭐
Joann Ross S.
10 months ago
I have a good experience working with McGowan Mortgage all the team make my dream come true in my new house they move so fast and when I almost give up they jump and do everything always with a good communication no matter the hour always I have the answer thanks for everything you and you team are A plus. Thanks to everyone work with me ( Megan, Analise, Tatiana and Derek)
Alba M.
5 days ago
Working with you and your team was a truly enjoyable experience. Your professionalism and dedication made the collaboration seamless and productive. I am grateful for the support and expertise you provided throughout the project. Thank you for making it such a positive experience!
Ron
2 weeks ago
Jumpy G.
2 weeks ago
Mike W.
2 weeks ago
Faith B.
1 month ago
Legesse K.
2 months ago
Adrian L.
2 months ago
They was there the whole way love them guys Tim became family and was very helpful with any information he explained it to where you can understand it correctly to your way of knowing and understanding
Chris L.
2 months ago
Super helpful
Marcia H.
2 months ago
I had an excellent experience with McGowan Mortgages. The HELOC process was seamless and easy- which is everything to me because my schedule can get hectic at times. So to have a company that helped make the process smooth was SO nice. Plus, they were able to get me the funds asap which was crucial to the timing and purchase of a property. I would recommend to everyone!
Vickie P.
4 months ago
PURCHASE YOUR HOME WITH MCGOWAN MORTAGE 💞💞I had the best experience ever working with the the staff of McGowan Mortgage ,I built the best relationship through text messages,emails and phone calls Kammi was amazing but when Mr. Derek stepped in it he completed the task himself it was an awesome experience and I recommend this company to everyone in the world ❤️❤️❤️❤️
Carlos O.
4 months ago
Nick M.
5 months ago
They made the whole process super easy and I was able to close quick with a low interest rate. I will definitely use them again for my next home and refinancing.
Lindsay B.
5 months ago
We loved working with McGowan! It was our first time buying a house, and we were so overwhelemed. They were supportive the whole way through and patient explaining everything so we could make the best decisions on our loan choice, how much to put down, saving for closing, etc. Very responsive and could tell genuily care. :)
soran I.
5 months ago
Derek and his team worked tirelessly to get us approved and into our new house, all around the clock. We have worked with several other lenders and can confidently say that the McGowan group far exceeded our expectations. They listened, explained, and walked us through every step. I would recommend McGowan Mortgages 100% with no hesitation to anyone thinking about buying a home. Their level of expertise, especially in this market, will make the difference in securing the house of your dreams with rates you can afford or having made the biggest mistake of your life. I will always come back and know that they are there for my family and I, with any questions we have. I can’t thank the McGowan team enough for their professionalism and dedication to our family during a difficult process made easy.
Summer W.
5 months ago
Myron M.
5 months ago
My Team was fast and very flexible. I appreciate them helping us with our first DSCR Loan. 10/10
addam B.
5 months ago
Dylan P.
5 months ago
Claudia P.
5 months ago
The team was phenomenal to work with and extremely helpful every step of the way. I recommend them to anyone purchasing or refinance their home.
Max D.
6 months ago
McGowan Mortgage was outstanding for both my primary home purchase and an investment property. Their speed was exceptional—everything moved efficiently without ever feeling rushed. The team’s knowledge was clear at every step, from structuring the loans to explaining options in a way that actually made sense. Most impressive was the communication: proactive, responsive, and transparent throughout the entire process. I always knew where things stood and what was coming next. I wouldn’t hesitate to recommend McGowan Mortgage to anyone looking for a smooth, professional mortgage experience.
Rogilyn M.
6 months ago
Fantastic company with a knowledgeable and supportive team. Great processes, clear communication, and a strong commitment to quality. Highly recommend!
Reyn B.
6 months ago
THE BEST!
Spartacus 7.
6 months ago
I am very grateful with McGowan Mortgages, they helped me to get the mortgage for my new house last year, especially when most banks told me it was too difficult or even impossible because I am a self employed, McGowan made simple and possible, I truly recommend them.
Hunter B.
6 months ago
There team is great they worked together to get my heloc funded in 9 days, when I was on a time crunch!!
Maxwell J.
6 months ago
If you want a mortgage lender who is responsive, sharp, honest, and relentless, Max Disser is the guy. We purchased our home in November 2024, and since this was my first home purchase, I expected the process to be stressful and confusing. On top of that, we used a VA loan, which can come with extra steps and specific requirements. Max handled everything like a total professional and made the entire process feel smooth, organized, and completely manageable. He communicated clearly, stayed ahead of deadlines, and always made sure I understood what was happening at every stage. Anytime I had a question, Max responded quickly and confidently, and I never felt left in the dark. What really stood out was how knowledgeable he was with the VA loan process and how well he worked with me as a veteran. He didn’t just “process a loan” — he genuinely cared and made sure I was taken care of from start to finish. If you’re a first-time buyer or a veteran looking to use your VA benefits, I highly recommend Max Disser and the McGowan Mortgages team.
Alba M.
5 days ago
Working with you and your team was a truly enjoyable experience. Your professionalism and dedication made the collaboration seamless and productive. I am grateful for the support and expertise you provided throughout the project. Thank you for making it such a positive experience!
Ron
2 weeks ago
Jumpy G.
2 weeks ago
Mike W.
2 weeks ago
Faith B.
1 month ago
Legesse K.
2 months ago
Adrian L.
2 months ago
They was there the whole way love them guys Tim became family and was very helpful with any information he explained it to where you can understand it correctly to your way of knowing and understanding
Chris L.
2 months ago
Super helpful
Marcia H.
2 months ago
I had an excellent experience with McGowan Mortgages. The HELOC process was seamless and easy- which is everything to me because my schedule can get hectic at times. So to have a company that helped make the process smooth was SO nice. Plus, they were able to get me the funds asap which was crucial to the timing and purchase of a property. I would recommend to everyone!
Vickie P.
4 months ago
PURCHASE YOUR HOME WITH MCGOWAN MORTAGE 💞💞I had the best experience ever working with the the staff of McGowan Mortgage ,I built the best relationship through text messages,emails and phone calls Kammi was amazing but when Mr. Derek stepped in it he completed the task himself it was an awesome experience and I recommend this company to everyone in the world ❤️❤️❤️❤️
Carlos O.
4 months ago
Nick M.
5 months ago
They made the whole process super easy and I was able to close quick with a low interest rate. I will definitely use them again for my next home and refinancing.
Lindsay B.
5 months ago
We loved working with McGowan! It was our first time buying a house, and we were so overwhelemed. They were supportive the whole way through and patient explaining everything so we could make the best decisions on our loan choice, how much to put down, saving for closing, etc. Very responsive and could tell genuily care. :)
soran I.
5 months ago
Derek and his team worked tirelessly to get us approved and into our new house, all around the clock. We have worked with several other lenders and can confidently say that the McGowan group far exceeded our expectations. They listened, explained, and walked us through every step. I would recommend McGowan Mortgages 100% with no hesitation to anyone thinking about buying a home. Their level of expertise, especially in this market, will make the difference in securing the house of your dreams with rates you can afford or having made the biggest mistake of your life. I will always come back and know that they are there for my family and I, with any questions we have. I can’t thank the McGowan team enough for their professionalism and dedication to our family during a difficult process made easy.
Summer W.
5 months ago
Myron M.
5 months ago
My Team was fast and very flexible. I appreciate them helping us with our first DSCR Loan. 10/10
addam B.
5 months ago
Dylan P.
5 months ago
Claudia P.
5 months ago
The team was phenomenal to work with and extremely helpful every step of the way. I recommend them to anyone purchasing or refinance their home.
Max D.
6 months ago
McGowan Mortgage was outstanding for both my primary home purchase and an investment property. Their speed was exceptional—everything moved efficiently without ever feeling rushed. The team’s knowledge was clear at every step, from structuring the loans to explaining options in a way that actually made sense. Most impressive was the communication: proactive, responsive, and transparent throughout the entire process. I always knew where things stood and what was coming next. I wouldn’t hesitate to recommend McGowan Mortgage to anyone looking for a smooth, professional mortgage experience.
Rogilyn M.
6 months ago
Fantastic company with a knowledgeable and supportive team. Great processes, clear communication, and a strong commitment to quality. Highly recommend!
Reyn B.
6 months ago
THE BEST!
Spartacus 7.
6 months ago
I am very grateful with McGowan Mortgages, they helped me to get the mortgage for my new house last year, especially when most banks told me it was too difficult or even impossible because I am a self employed, McGowan made simple and possible, I truly recommend them.
Hunter B.
6 months ago
There team is great they worked together to get my heloc funded in 9 days, when I was on a time crunch!!
Maxwell J.
6 months ago
If you want a mortgage lender who is responsive, sharp, honest, and relentless, Max Disser is the guy. We purchased our home in November 2024, and since this was my first home purchase, I expected the process to be stressful and confusing. On top of that, we used a VA loan, which can come with extra steps and specific requirements. Max handled everything like a total professional and made the entire process feel smooth, organized, and completely manageable. He communicated clearly, stayed ahead of deadlines, and always made sure I understood what was happening at every stage. Anytime I had a question, Max responded quickly and confidently, and I never felt left in the dark. What really stood out was how knowledgeable he was with the VA loan process and how well he worked with me as a veteran. He didn’t just “process a loan” — he genuinely cared and made sure I was taken care of from start to finish. If you’re a first-time buyer or a veteran looking to use your VA benefits, I highly recommend Max Disser and the McGowan Mortgages team.