The typical owner-occupied home in Winona is worth about $110,000, 49% below the Kansas median of $217,200 and 67% below the national median of $332,700. Owners pay a median $1,846 a year in property taxes, about 1.68% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $58,500 a year, so the median home costs 1.9 times the median income (2.9 times for Kansas). 69% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Winona at a glance
| Winona | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $110,000 | $217,200 | $332,700 |
| Median property tax paid per year | $1,846 | $2,798 | $3,119 |
| Property tax as a share of value | 1.68% | 1.29% | 0.94% |
| Median household income | $58,500 | $74,275 | $80,734 |
| Homes lived in by their owners | 69% | 67% | 65% |
| Owner homes with a mortgage | 36% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,351 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 51.0% | 19.4% | 21.0% |
| Median rent | $973 | $1,060 | $1,413 |
| Rent as a share of renters' income | 24.5% | 27.1% | 30.6% |
| Median year homes were built | 1938 | 1976 | 1980 |
| Vacant homes | 29.2% | 9.2% | 10.1% |
| Population | 221 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Winona
At this week's average 30-year rate of 7.11%, buying the median Winona home of $110,000 with 20% down costs about $792 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $975, 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 $33,935 for the 20%-down payment. That payment is 16% of the median Winona household income of $58,500; at that income and 20% down, the 28% guideline points to a home of about $190,000.
The median rent here is $973 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $22,000 |
|---|---|
| Loan amount | $88,000 |
| Principal and interest | $592 |
| Property taxes (1.68% a year) | $154 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $792 |
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| Down payment | $3,850 |
|---|---|
| Loan amount | $108,008 |
| Principal and interest | $727 |
| Property taxes (1.68% a year) | $154 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $975 |
Change the numbers in the calculator
Questions about home buying in Winona
What is the median home value in Winona?
About $110,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Winona?
Homeowners pay a median $1,846 a year, which is about 1.68% 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 Winona?
For the median home with 20% down at 7.11%, the payment is about $792 a month. Keeping that under 28% of gross income takes about $33,935 a year.
More about Winona
- Mortgage Refinance in Winona
- Debt Relief in Winona
- Home Equity Loans in Winona
- 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