Rent in 64089 (Smithville, MO)
In ZIP 64089 (Smithville, MO), a 2-bedroom typically rents for $1,074–$1,580 a month, 14% below the Clay County Fair Market Rent of $1,546. Other sizes: studio $1,257–$1,280, 1 bed $519–$1,400, 3 beds $1,720–$2,060, 4 beds $2,419–$2,470. Owner-occupied homes in Clay County pay about 1.07% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.32% in the week of Oct 22, 2026.
Rent by bedrooms
| Size | Range | Best guess | County FMR |
|---|---|---|---|
| Studio | $1,257–$1,280 | $1,280 | $1,257in line |
| 1 bed | $519–$1,400 | $960 | $1,36630% below |
| 2 beds | $1,074–$1,580 | $1,327 | $1,54614% below |
| 3 beds | $1,720–$2,060 | $1,890 | $2,0206% below |
| 4 beds | $2,419–$2,470 | $2,470 | $2,419in line |
- Studio: HUD Small Area Fair Market Rent $1,280 (Oct 1, 2026); HUD Fair Market Rent (county) $1,257 (Oct 1, 2026)
- 1 bed: HUD Small Area Fair Market Rent $1,400 (Oct 1, 2026); Census ACS 5-year median gross rent $519 ±$224 (Dec 31, 2024)
- 2 beds: HUD Small Area Fair Market Rent $1,580 (Oct 1, 2026); Census ACS 5-year median gross rent $1,074 ±$134 (Dec 31, 2024)
- 3 beds: HUD Small Area Fair Market Rent $2,060 (Oct 1, 2026); Census ACS 5-year median gross rent $1,720 ±$105 (Dec 31, 2024)
- 4 beds: HUD Small Area Fair Market Rent $2,470 (Oct 1, 2026); HUD Fair Market Rent (county) $2,419 (Oct 1, 2026)
Gross rent (rent plus tenant-paid utilities). Sources: HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
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Frequently asked questions
- What is the rent for a 2-bedroom in 64089?
- Typically $1,074–$1,580 a month, with a best guess of $1,327. That is 14% below the Clay County Fair Market Rent ($1,546).
- What is the rent for a 1-bedroom in 64089?
- Typically $519–$1,400 a month, with a best guess of $960. That is 30% below the Clay County Fair Market Rent ($1,366).
- What is the rent for a 3-bedroom in 64089?
- Typically $1,720–$2,060 a month, with a best guess of $1,890. That is 6% below the Clay County Fair Market Rent ($2,020).
- What is the rent for a studio in 64089?
- Typically $1,257–$1,280 a month, with a best guess of $1,280. That is in line with the Clay County Fair Market Rent ($1,257).
- What is the rent for a 4-bedroom in 64089?
- Typically $2,419–$2,470 a month, with a best guess of $2,470. That is in line with the Clay County Fair Market Rent ($2,419).
- What is the property tax rate in ZIP 64089?
- Owner-occupied homes in Clay County pay a typical 1.07% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do the 64089 rent figures come from?
- HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).