The typical owner-occupied home in Humboldt is worth about $90,900, 58% below the Kansas median of $217,200 and 73% below the national median of $332,700. Owners pay a median $1,841 a year in property taxes, about 2.03% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $47,560 a year, so the median home costs 1.9 times the median income (2.9 times for Kansas). 80% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
Humboldt at a glance
| Humboldt | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $90,900 | $217,200 | $332,700 |
| Median property tax paid per year | $1,841 | $2,798 | $3,119 |
| Property tax as a share of value | 2.03% | 1.29% | 0.94% |
| Median household income | $47,560 | $74,275 | $80,734 |
| Homes lived in by their owners | 80% | 67% | 65% |
| Owner homes with a mortgage | 49% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $998 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 18.8% | 19.4% | 21.0% |
| Median rent | $554 | $1,060 | $1,413 |
| Rent as a share of renters' income | 19.7% | 27.1% | 30.6% |
| Median year homes were built | 1954 | 1976 | 1980 |
| Vacant homes | 20.8% | 9.2% | 10.1% |
| Population | 1,793 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Humboldt
At this week's average 30-year rate of 7.11%, buying the median Humboldt home of $90,900 with 20% down costs about $681 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $832, 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 $29,179 for the 20%-down payment. That payment is 17% of the median Humboldt household income of $47,560; at that income and 20% down, the 28% guideline points to a home of about $148,000.
The median rent here is $554 a month, so owning the median home costs about $127 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $18,180 |
|---|---|
| Loan amount | $72,720 |
| Principal and interest | $489 |
| Property taxes (2.03% a year) | $154 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| PMI | $0 |
| Total per month | $681 |
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| Down payment | $3,182 |
|---|---|
| Loan amount | $89,254 |
| Principal and interest | $600 |
| Property taxes (2.03% a year) | $154 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| FHA mortgage insurance | $40 |
| Total per month | $832 |
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Questions about home buying in Humboldt
What is the median home value in Humboldt?
About $90,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Humboldt?
Homeowners pay a median $1,841 a year, which is about 2.03% 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 Humboldt?
For the median home with 20% down at 7.11%, the payment is about $681 a month. Keeping that under 28% of gross income takes about $29,179 a year.
More about Humboldt
- Mortgage Refinance in Humboldt
- Debt Relief in Humboldt
- Home Equity Loans in Humboldt
- 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