Belton, MO—64012
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Belton, MO
As of Oct '25, the median home price in Belton, MO is $274,000, with a year-over-year change of 5.2%. This indicates that home prices in Belton, MO are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $274,000 | 5.2% |
| Single Family | $274,000 | 5.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $189,000 | 7.4% |
3 Bed | $260,000 | 5.7% |
4 Bed | $346,000 | 5.5% |
| 5 Bed | $461,000 | 11.6% |
% of Housing Stock
Rental Trends — Belton, MO
As of July '25, Rentcast reports the average rent in Belton, MO is $1,740, with a year-over-year rent change of -0.6%. Per bedroom, the median rent as of July '25 in Belton, MO is 1-bedrooms: $1,050, 2-bedrooms: $1,040, 3-bedrooms: $1,760, 4-bedrooms: $2,220. The most common rental property sizes in Belton, MO are 2-bedroom and 3-bedroom, accounting for 39.5% and 36.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,780 | $1,740 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $915 | $1,050 |
| 2 Bed Rent | $950 | $1,040 |
| 3 Bed Rent | $1,760 | $1,760 |
| 4 Bed Rent | $2,200 | $2,220 |
% of Rental Stock
Property Listings — Belton, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Belton, MO is 57. This is a decrease of 0.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $320,000 | 8.0% |
Listing Count | 99 | 9.0% |
| Listings as % of Homes | 0.4% | 9.0% |
Days on Market | 57 | 0.0% |
Demographics — Belton, MO
As of the latest ACS Survey released in 2023, Belton, MO has a population of 29,000, which has increased by 6.6% over the past 5 years. Belton, MO is a moderately popular place for families, as children make up 22.8% of the population. The area has a moderately educated workforce, with 26.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 29,000 | 6.6% |
% Under 18 | 22.8% | -7.3% |
% Seniors | 17.3% | 7.5% |
% WFH | 11.6% | 241.2% |
% w/ College Degree | 26.9% | 21.2% |
As of the latest ACS Survey released in 2023, Belton, MO is a predominantly white area, with 79.6% of the population identifying as white. The white population has shrunk by 6.2% in the last 5 years. The second most common race or ethnicity in Belton, MO is hispanic, making up 7.0% of the population. Foreign-born residents account for 1.7% of the population in Belton, MO, and this percentage has decreased by 54.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 79.6% | -6.2% |
% Black | 6.5% | 132.1% |
% Hispanic | 7.0% | -14.6% |
% Asian | 1.2% | -14.3% |
% Foreign Born | 1.7% | -54.1% |
Mortgage and Risk — Belton, MO
According to HUD data as of 2023, there were 662 mortgage originations in Belton, MO, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Belton, MO. Investor activity is low, as 3.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 662 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Belton, MO
As of 2024, the percent of homes in Belton, MO under the Section 8 program is 11.5%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Belton, MO, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 430 |
Total Units Section 8 | 430 |
% Rentals under Section 8 | 11.5% |
% Occupied Section 8 | 76.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $355 | $915 | $1,270 |
| 2 Bedroom | $500 | $950 | $1,450 |
| 3 Bedroom | $130 | $1,760 | $1,890 |
| 4 Bedroom | $40 | $2,200 | $2,240 |
Affordability — Belton, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $274,000 |
| Median Household Income | $71,800 |