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Mortgage Calculator &
Closing Costs: Lee's Summit, MO

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Lee's Summit, Missouri.

Median Home Price
$325K
Population
101K
Avg Monthly Rent
$1,350
Property Tax Rate
0.97%
Lee's Summit vs Missouri Median
The median home price in Lee's Summit is $325,000, which is 38% above the Missouri state median of $235,000.

Mortgage Calculator — Lee's Summit, MO

Pre-filled with Lee's Summit median home price and Missouri tax/insurance rates. Adjust for your property.

$
$65,000
%
%
years
MO avg
%
$
Monthly Payment (PITI)
$2,089
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,643
per month
Taxes & Insurance
$446
per month
Total Interest Paid
$332K
over 30 years
Total Loan Cost
$592K
all payments
Payment Breakdown
Loan Amount$260,000
Principal & Interest$1,643
Property Taxes$263
Homeowners Insurance$183
Total Monthly PITI$2,089

Closing Costs — Lee's Summit, MO

Estimated closing costs based on Missouri rates and fees applied to Lee's Summit prices.

$
%
Missouri: Avg closing costs 0.9% of price. Transfer tax: 0%.
Estimated Closing Costs
$10,764
3.3% of purchase price
Lender Fees
$2,765
origination, underwriting
Third-Party
$3,075
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$4,924
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,340
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,925
Recording Fee$150
Prepaid Taxes (3 mo)$788
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$781
Escrow Reserves$1,155
Total Closing Costs$10,764

Buying a Home in Lee's Summit, Missouri

The median home price in Lee's Summit is $325,000, 38% above the Missouri state median of $235,000. With a population of 101,108, Lee's Summit is a mid-size city where home prices reflect strong demand and local economic factors.

Property taxes in Missouri average 0.97% annually. This moderate property tax rate means a $325,000 home in Lee's Summit would carry roughly $263/month in property taxes. Homeowners insurance in Missouri runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Lee's Summit is $1,350/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Lee's Summit presents moderate affordability. The $325K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Lee's Summit.
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