Homes Under $400K for Sale in Clay County, MO
· 478 homes fit this search478 homes fit this search · Sorted by Newest Listed
About Homes Under $400K in Clay County, MO
Clay County, MO has 478 homes under $400k for sale right now, with a median list price of $269,950. These homes under $400k were built between 1837 and 2026. Most are between 1,024 and 2,455 square feet.
Housing market trends in Clay County, MO (all homes)
867
Homes for sale in Clay County · 54 coming soon
$378,000
Median list price
17 days
Median days to contract
2.55 mo
Months of supply
| Measure | Oct 2026 | Sep 2026 | Oct 2025 |
|---|---|---|---|
| Median sale price | $322,500 | $338,250 | $335,000 |
| Median price per sq ft | $182 | $184 | $176 |
| Median days to contract | 20 | 16 | 22 |
| Sell-to-list ratio | 100% | 100% | 100% |
| Homes sold | 284 | 334 | 271 |
| New listings | 371 | 398 | 351 |
| Went under contract | 298 | 299 | 269 |
59 photos
Pantry
38 photos
Single-story
34 photos
3-car garage
31 photos
Price Cut · $6K
31 photos
Single-story
24 photos
Price Cut · $15K
30 photos
Single-story
27 photos
Price Cut · $10K
① Clay County itself — the place you are on
Popular home searches in Clay County
| Search | For sale |
|---|---|
| Open houses | For sale46 |
| Luxury homes | For sale40 |
| Just listed homes | For sale58 |
| Price-reduced homes | For sale340 |
| Coming soon homes | For sale52 |
| Homes under contract | For sale421 |
How we compute these
- For sale.
- Homes listed as active right now. A live count, not a monthly average.
Homes by price in Clay County
| Price range | For sale |
|---|---|
| Under $200,000 | For sale132 |
| Under $300,000 | For sale300 |
| Under $400,000 | For sale478 |
| Under $500,000 | For sale618 |
How we compute these
- For sale.
- Homes listed as active right now. A live count, not a monthly average.
③ Nearby cities — two steps out
Search homes in Clay County
| City | Market (Market type is set by months of supply — how long it would take to sell every home for sale at the current pace. Under ~4 months favors sellers (low inventory, faster sales, homes near or above asking); over ~6 favors buyers (more choice, more negotiating room). 4–6 is balanced.) | Months supply | Median list | Sell-to-list | Days to contract | For sale | Coming soon | Under contract |
|---|---|---|---|---|---|---|---|---|
| Kansas City | Seller's | 3.9 mo | Median$259,000 | 100% | 21d | 2,172 | 98 | 792 |
| Liberty | Seller's | 2.5 mo | Median$400,000 | 98% | 25d | 101 | 8 | 50 |
| Gladstone | Seller's | 2.2 mo | Median$265,000 | 97% | 16d | 53 | 4 | 25 |
| Kearney | Balanced | 4.3 mo | Median$492,000 | 98% | 24d | 112 | 9 | 31 |
| Smithville | Seller's | 3.8 mo | Median$339,000 | 96% | 24d | 82 | 4 | 25 |
How we compute these
- Market.
- Market type is set by months of supply — how long it would take to sell every home for sale at the current pace. Under ~4 months favors sellers (low inventory, faster sales, homes near or above asking); over ~6 favors buyers (more choice, more negotiating room). 4–6 is balanced.
- Months supply.
- How many months it would take to sell every home now for sale at the pace of the last 90 days: homes for sale ÷ (closings in the last 90 days ÷ 3).
- Median list.
- The middle asking price among the homes for sale right now. Half are listed above it, half below.
- Days to contract.
- The middle number of days between a home being listed and going under contract, over the last 90 days of closings. It is not days-to-close, and it is not how long today's listings have been sitting. Newly built homes are excluded, because a build finishing is not a market moving.
- For sale.
- Homes listed as active right now. A live count, not a monthly average.
- Coming soon.
- Homes announced but not yet accepting showings. A live count.
- Under contract.
- Homes with an accepted contract that have not closed yet. A live count.