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Kansas City Discount to Ownership

Rent vs. Own Analysis | Q3 2025

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$68,820

%
% annually
% annually
% annually

Monthly Discount to Ownership

$1,348

saved per month by renting in Kansas City Metro

Discount to Owning

50%

lower cost to rent

Annual Savings

$16,176

per year by renting

Rent vs. Own Analysis
Monthly cost breakdown for Kansas City Metro
Kansas City Metro Home Price
$344,100
Down Payment20%
$68,820
Loan Amount80%
$275,280
Mortgage Payment6.25%
$1,695
Property Taxes1.25%
$358
Insurance0.25%
$72
Maintenance2%
$574
Total Monthly Payment$2,699
Average Rent (Kansas City Metro)$1,351
Monthly Discount to Ownership$1,348
Discount to Owning50%

Source: RealPage Market Analytics, Zillow Home Value Index (Q3 '25)

Cost Comparison
Renting is 50% cheaper than owning in Kansas City Metro
$0$1,000$2,000$3,000$4,000Kansas City Metro RentMonthly OwnershipCost

Monthly Savings

$1,348

Discount

50%

Strong rental demand: With a 50% discount to ownership, renting remains highly attractive

Investment opportunity: High ownership costs support continued multifamily demand

Submarket Comparison
Rent vs. own analysis across all Kansas City submarkets (using current calculator settings)
SubmarketHome PriceAvg RentMonthly OwnershipMonthly SavingsDiscount %
1North Overland Park
$425,000$1,404$3,333$1,92958%
2South Kansas City
$344,100$1,145$2,699$1,55458%
3South Overland Park
$485,000$1,634$3,804$2,17057%
4Wyandotte County
$344,100$1,176$2,699$1,52256%
5Independence/East
$344,100$1,275$2,699$1,42353%
6Shawnee/Lenexa/Mission
$395,000$1,488$3,098$1,61052%
7Clay County
$325,000$1,250$2,549$1,29851%
8Olathe/Gardner
$380,000$1,466$2,980$1,51451%
9Platte County
$355,000$1,353$2,784$1,43151%
10Lee's Summit/Blue Springs
$344,100$1,353$2,699$1,34650%
11Lee's Summit/Blue Springs/Raytown
$340,000$1,355$2,666$1,31149%
12Shawnee/Lenexa
$344,100$1,488$2,699$1,21045%
13South Kansas City/Grandview
$225,000$1,144$1,765$62035%
14Central Kansas City
$285,000$1,626$2,235$60927%
15Wyandotte County/Leavenworth
$185,000$1,176$1,451$27519%
16Independence/East Kansas City
$195,000$1,275$1,529$25417%
Discount to Ownership by Submarket
Higher discount = stronger case for renting
0%20%40%70%South Kansas CityWyandotte CountyShawnee/Lenexa/MissionOlathe/GardnerLee's Summit/BlueSpringsShawnee/LenexaCentral Kansas CityIndependence/EastKansas City
Market Implications

Sustained Rental Demand

The significant cost advantage of renting supports long-term occupancy rates and tenant retention

Rent Growth Potential

With rents 50% below ownership costs, there's room for continued rent increases

Investment Stability

High mortgage rates (6.25%) continue to favor renting, providing stability for multifamily investments