Local
Learn about the people, housing, costs and businesses in Gray Summit, Missouri
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Gray Summit.
True all-in cost — P&I, taxes, insurance & utilities for homes in Gray Summit.
Find and compare lenders active near Gray Summit.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Gray Summit.
Seismic risk and earthquake insurance estimates for Gray Summit.
Wildfire exposure and insurance estimates for Gray Summit.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Gray Summit is approximately 6.987% (7.026% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Gray SummitThe median home value in Gray Summit is $223k. The median monthly rent is $1,077. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Gray Summit have decreased 3.5% over the past two years. Buyers may find more negotiating room in this market. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,074/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $46k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Gray Summit is $70k/year.
Calculate your buying powerThe largest employment sectors in Gray Summit are retail (20%) and public administration (18%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.