The typical owner-occupied home in Bluff City is worth about $27,500, 87% below the Kansas median of $217,200 and 92% below the national median of $332,700. Owners pay a median $489 a year in property taxes, about 1.78% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $62,500 a year, so the median home costs 0.4 times the median income (2.9 times for Kansas). 100% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Bluff City at a glance
| Bluff City | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $27,500 | $217,200 | $332,700 |
| Median property tax paid per year | $489 | $2,798 | $3,119 |
| Property tax as a share of value | 1.78% | 1.29% | 0.94% |
| Median household income | $62,500 | $74,275 | $80,734 |
| Homes lived in by their owners | 100% | 67% | 65% |
| Owner homes with a mortgage | 0% | 57% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,689 | $1,963 |
| Median rent | – | $1,060 | $1,413 |
| Median year homes were built | 1950 | 1976 | 1980 |
| Vacant homes | 50.0% | 9.2% | 10.1% |
| Population | 36 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Bluff City
At this week's average 30-year rate of 7.11%, buying the median Bluff City home of $27,500 with 20% down costs about $200 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $246, 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 $8,582 for the 20%-down payment. That payment is 4% of the median Bluff City household income of $62,500; at that income and 20% down, the 28% guideline points to a home of about $200,000.
| Down payment | $5,500 |
|---|---|
| Loan amount | $22,000 |
| Principal and interest | $148 |
| Property taxes (1.78% a year) | $41 |
| Homeowners insurance (our estimate, 0.5% a year) | $11 |
| PMI | $0 |
| Total per month | $200 |
Change the numbers in the calculator
| Down payment | $962 |
|---|---|
| Loan amount | $27,002 |
| Principal and interest | $182 |
| Property taxes (1.78% a year) | $41 |
| Homeowners insurance (our estimate, 0.5% a year) | $11 |
| FHA mortgage insurance | $12 |
| Total per month | $246 |
Change the numbers in the calculator
Questions about home buying in Bluff City
What is the median home value in Bluff City?
About $27,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bluff City?
Homeowners pay a median $489 a year, which is about 1.78% 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 Bluff City?
For the median home with 20% down at 7.11%, the payment is about $200 a month. Keeping that under 28% of gross income takes about $8,582 a year.
More about Bluff City
- Mortgage Refinance in Bluff City
- Debt Relief in Bluff City
- Home Equity Loans in Bluff 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