What it's like to live in Excelsior Springs
Excelsior Springs is a small city in Missouri with rent below the national average, home prices that remain within reach, commutes that run shorter than most cities, and schools with smaller class sizes than the national average. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Excelsior Springs deals with college degree attainment below the national average, cold winters, and a car-dependent commute, with few people using transit.
The good
- Rent below the national average
- Affordable home prices
- Short commutes
- Low student-teacher ratio
The not so good
- Low college degree attainment
- Cold winters
- Car-dependent — few commuters use transit
How Excelsior Springs compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Excelsior Springs
Based on Excelsior Springs's median rent, home value and household income
To rent
$1,950
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $39,000 a year
- 41% of Excelsior Springs renters spend 30% or more of their income on rent
To buy
$37,360
a 20% down payment on the median home
- With 10% down: $18,680
- Homes cost 2.6× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▼ 31% below US
$975/mo median rent
Rent here is genuinely low, with median rent around $975 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices here are genuinely accessible, with a median around $186,800. That kind of affordability is rare in today's market.
Median home value $186,800 · 41% of renters cost-burdened
Job market
3.8% county unemployment
Unemployment in Clay County is 3.8%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Clay County (county-wide)
SafetyNear US average
307 violent crimes per 100k
Crime runs about typical for a city this size. Some neighborhoods are safer than others, and one overall rate doesn't tell the whole story, so a neighborhood-level look matters more than the headline stat.
Property crime 1737/100k · Excelsior Springs Police Department · 2025 data
Getting around▼ 14% below US
22 min average commute
Commutes are reasonable, averaging 22.3 minutes. Nothing heroic, and there's still time left over for a life after work. 9 in 10 workers drive to work; 8% work from home.
How workers get to work
Climate
Summers are warm, with highs around 86°F, and winters are cold and harsh, with lows dropping to 20°F. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▼ 51% below US
18% bachelor's degree or higher
This is a working-class city, and college degree rates reflect that. Trades, manufacturing, and service industries tend to dominate the local economy, which is a strength for some fields and a real constraint for others.
Schools
7 public schools inside the boundary
There are 7 public schools inside the boundary. The student-to-teacher ratio is 15:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Harry S Truman National Historic Site (32 miles away). There are 2 national parks and sites within a day's drive.
Bottom line
Excelsior Springs's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are college degree attainment below the national average and cold winters. A year of median rent ($975/mo) equals 16% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget.
See all the data for Excelsior Springs →·All Missouri cities →
Other places near Excelsior Springs
All Missouri guides →Moving to Kearney →
6 mi away · pop. 10,885
Rent $1,251/mo · Income $103,622
Compare with Excelsior Springs →Moving to Liberty →
12 mi away · pop. 30,689
Rent $1,160/mo · Income $88,542
Compare with Excelsior Springs →Moving to Smithville →
18 mi away · pop. 10,705
Rent $1,323/mo · Income $101,165
Compare with Excelsior Springs →Moving to Independence →
18 mi away · pop. 121,740
Rent $1,109/mo · Income $60,339
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