The story of this market
The typical home in ZIP 64074 sells for about $321,884, or $158 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $2,145 a month.
ZIP 64074 — Napoleon
The housing market in 64074 remains stable with low inventory and high owner-occupancy rates, reflecting a quiet, rural community. Prices have seen steady appreciation over the last decade, though sales volume remains low due to the limited housing stock. Market conditions are driven by local demand for rural living rather than speculative investment.
This ZIP is best suited for families and individuals seeking a quiet, rural lifestyle with high homeownership rates, while still maintaining access to the amenities and employment opportunities of the Kansas City metro area.
Median prices moved up 4.2% year over year.
Homes spend a median of 42 days on market with 6.0 months of supply — a balanced-paced market.
15% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.1% · poverty 6.1% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 64074, Lafayette County MO
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the Napoleon area are generally low and stable, reflecting a rural community profile that experiences significantly less reported criminal activity compared to the nearby Kansas City urban core.
Schools serving the area are primarily part of the Wellington-Napoleon R-IX School District, which is characterized by small class sizes and a community-focused educational environment.
The area is subject to standard Midwestern weather risks, including severe thunderstorms and occasional wind events, with specific low-lying areas near the Missouri River subject to flood plain management.
Economic momentum is driven by proximity to the Kansas City metro employment hub, with local development remaining largely focused on residential stability and agricultural support services.
Property taxes are assessed at the county level by Lafayette County, with rates determined by local school district levies and municipal assessments; no specific special district surcharges are widely reported for this rural ZCTA.
Residents typically rely on personal vehicles for a commute of approximately 35-45 minutes to reach the Kansas City employment core via US-24 or nearby highway corridors.
Recreational opportunities include access to the Missouri River for outdoor activities, local community parks, and proximity to regional golf courses and rural trail networks within a short drive.
The rental market is limited in depth due to the high owner-occupancy rate, with most available units consisting of single-family homes rather than multi-family complexes.
The local economy is primarily supported by agricultural operations and small-scale local businesses, with the broader regional economy anchored by the Kansas City metro area's diverse sectors including logistics, healthcare, and manufacturing.
Transportation is heavily reliant on private vehicle use, with US-24 serving as the primary arterial route connecting the area to the Kansas City metropolitan transit network.
There are no major large-scale commercial or residential developments currently approved or under construction within the immediate ZIP code boundaries.
The Lafayette County Assessor manages property valuations, typically conducting periodic reassessments to align with market value trends.
Parcels are served by the Wellington-Napoleon R-IX School District and local fire protection districts.
Property insurance premiums are influenced by regional exposure to severe weather, including wind and hail, though the area generally maintains standard market availability.
Data retrieved from Census Bureau ZCTA-level profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Local community green space providing basic recreational facilities.
Provides regional access for fishing and boating activities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.