The typical owner-occupied home in Kansas is worth about $217,200, 35% below the national median of $332,700. Owners pay a median $2,798 a year in property taxes, about 1.29% of their home's value, higher than the national rate of 0.94%. The median household earns $74,275 a year, so the median home costs 2.9 times the median income (4.1 times for the U.S.). 67% of occupied homes here are lived in by their owners, and 57% of those owners still have a mortgage.
Kansas at a glance
| Kansas | U.S. | |
|---|---|---|
| Median home value | $217,200 | $332,700 |
| Median property tax paid per year | $2,798 | $3,119 |
| Property tax as a share of value | 1.29% | 0.94% |
| Median household income | $74,275 | $80,734 |
| Homes lived in by their owners | 67% | 65% |
| Owner homes with a mortgage | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 19.4% | 21.0% |
| Median rent | $1,060 | $1,413 |
| Rent as a share of renters' income | 27.1% | 30.6% |
| Median year homes were built | 1976 | 1980 |
| Vacant homes | 9.2% | 10.1% |
| Population | 2,947,197 | 334,922,499 |
What a typical home costs per month in Kansas
At this week's average 30-year rate of 7.11%, buying the median Kansas home of $217,200 with 20% down costs about $1,493 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,855, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $63,981 for the 20%-down payment. That payment is 24% of the median Kansas household income of $74,275; at that income and 20% down, the 28% guideline points to a home of about $252,000.
The median rent here is $1,060 a month, so owning the median home costs about $433 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $43,440 |
|---|---|
| Loan amount | $173,760 |
| Principal and interest | $1,169 |
| Property taxes (1.29% a year) | $233 |
| Homeowners insurance (our estimate, 0.5% a year) | $90 |
| PMI | $0 |
| Total per month | $1,493 |
Change the numbers in the calculator
| Down payment | $7,602 |
|---|---|
| Loan amount | $213,266 |
| Principal and interest | $1,435 |
| Property taxes (1.29% a year) | $233 |
| Homeowners insurance (our estimate, 0.5% a year) | $90 |
| FHA mortgage insurance | $96 |
| Total per month | $1,855 |
Change the numbers in the calculator
Questions about home buying in Kansas
What is the median home value in Kansas?
About $217,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kansas?
Homeowners pay a median $2,798 a year, which is about 1.29% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Kansas?
For the median home with 20% down at 7.11%, the payment is about $1,493 a month. Keeping that under 28% of gross income takes about $63,981 a year.
More about Kansas
- Mortgage Refinance in Kansas
- Debt Relief in Kansas
- Home Equity Loans in Kansas
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data