The typical owner-occupied home in Ford County is worth about $151,100, 30% below the Kansas median of $217,200 and 55% below the national median of $332,700. Owners pay a median $2,300 a year in property taxes, about 1.52% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $70,781 a year, so the median home costs 2.1 times the median income (2.9 times for Kansas). 62% of occupied homes here are lived in by their owners, and 44% of those owners still have a mortgage.
Ford County at a glance
| Ford County | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $151,100 | $217,200 | $332,700 |
| Median property tax paid per year | $2,300 | $2,798 | $3,119 |
| Property tax as a share of value | 1.52% | 1.29% | 0.94% |
| Median household income | $70,781 | $74,275 | $80,734 |
| Homes lived in by their owners | 62% | 67% | 65% |
| Owner homes with a mortgage | 44% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,395 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 18.7% | 19.4% | 21.0% |
| Median rent | $1,010 | $1,060 | $1,413 |
| Rent as a share of renters' income | 20.6% | 27.1% | 30.6% |
| Median year homes were built | 1972 | 1976 | 1980 |
| Vacant homes | 7.4% | 9.2% | 10.1% |
| Population | 34,074 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Ford County
At this week's average 30-year rate of 7.11%, buying the median Ford County home of $151,100 with 20% down costs about $1,068 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,319, 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 $45,751 for the 20%-down payment. That payment is 18% of the median Ford County household income of $70,781; at that income and 20% down, the 28% guideline points to a home of about $234,000.
The median rent here is $1,010 a month, so owning the median home costs about $58 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,220 |
|---|---|
| Loan amount | $120,880 |
| Principal and interest | $813 |
| Property taxes (1.52% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| PMI | $0 |
| Total per month | $1,068 |
Change the numbers in the calculator
| Down payment | $5,288 |
|---|---|
| Loan amount | $148,363 |
| Principal and interest | $998 |
| Property taxes (1.52% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| FHA mortgage insurance | $67 |
| Total per month | $1,319 |
Change the numbers in the calculator
Questions about home buying in Ford County
What is the median home value in Ford County?
About $151,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ford County?
Homeowners pay a median $2,300 a year, which is about 1.52% 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 Ford County?
For the median home with 20% down at 7.11%, the payment is about $1,068 a month. Keeping that under 28% of gross income takes about $45,751 a year.
More about Ford County
- Mortgage Refinance in Ford County
- Debt Relief in Ford County
- Home Equity Loans in Ford County
- 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