The typical owner-occupied home in Bird City is worth about $102,700, 53% below the Kansas median of $217,200 and 69% below the national median of $332,700. Owners pay a median $1,455 a year in property taxes, about 1.42% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $70,208 a year, so the median home costs 1.5 times the median income (2.9 times for Kansas). 63% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Bird City at a glance
| Bird City | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $102,700 | $217,200 | $332,700 |
| Median property tax paid per year | $1,455 | $2,798 | $3,119 |
| Property tax as a share of value | 1.42% | 1.29% | 0.94% |
| Median household income | $70,208 | $74,275 | $80,734 |
| Homes lived in by their owners | 63% | 67% | 65% |
| Owner homes with a mortgage | 42% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,094 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 19.4% | 21.0% |
| Median rent | $634 | $1,060 | $1,413 |
| Rent as a share of renters' income | 16.6% | 27.1% | 30.6% |
| Median year homes were built | 1948 | 1976 | 1980 |
| Vacant homes | 19.5% | 9.2% | 10.1% |
| Population | 633 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Bird City
At this week's average 30-year rate of 7.11%, buying the median Bird City home of $102,700 with 20% down costs about $717 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $888, 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 $30,729 for the 20%-down payment. That payment is 12% of the median Bird City household income of $70,208; at that income and 20% down, the 28% guideline points to a home of about $235,000.
The median rent here is $634 a month, so owning the median home costs about $83 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $20,540 |
|---|---|
| Loan amount | $82,160 |
| Principal and interest | $553 |
| Property taxes (1.42% a year) | $122 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| PMI | $0 |
| Total per month | $717 |
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| Down payment | $3,594 |
|---|---|
| Loan amount | $100,840 |
| Principal and interest | $678 |
| Property taxes (1.42% a year) | $122 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| FHA mortgage insurance | $45 |
| Total per month | $888 |
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Questions about home buying in Bird City
What is the median home value in Bird City?
About $102,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bird City?
Homeowners pay a median $1,455 a year, which is about 1.42% 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 Bird City?
For the median home with 20% down at 7.11%, the payment is about $717 a month. Keeping that under 28% of gross income takes about $30,729 a year.
More about Bird City
- Mortgage Refinance in Bird City
- Debt Relief in Bird City
- Home Equity Loans in Bird City
- 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