Market Overview
Home Prices in Rayville, MO
The median home value in Rayville, MO is $358,569 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.5% compared to a year ago and up 6.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rayville are priced13% below average. Rayville is part of the Kansas City, MO-KS metro area.
Over the past five years, Rayville home values have risen by approximately37.6%, reflecting strong long-term appreciation in this market.
Price History
Rayville Home Price Trend
City Comparison
Rayville vs. National Median
At $358,569, homes in Rayville cost 13% below the national median of $410,000. This makes Rayville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Rayville?
20% Down Payment
$71,714
on $358,569
Monthly P&I
$1,870/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,375/mo
incl. taxes & insurance
Income Needed
$95,000
gross annual (30% rule)
10% Down Option
$35,857
+ PMI applies
Loan Amount (20% dn)
$286,855
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Rayville, MO?
The median home value in Rayville is $358,569 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.5% year-over-year.
How much have home prices changed in Rayville?
Over the past year, home values in Rayville have increased by 5.5%. Over five years, prices have risen approximately 37.6%.
How much do I need to earn to buy a home in Rayville?
To comfortably afford the median home price of $358,569 with a 20% down payment ($71,714) at today's rates (6.8%), you'd need a gross annual income of approximately $95,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Rayville compare to the national average home price?
The national median home value is approximately $410,000. At $358,569, homes in Rayville are 13% below the national average.
What metro area is Rayville part of?
Rayville is part of the Kansas City, MO-KS metropolitan area. Home prices and market conditions can vary across the broader metro region.