The typical owner-occupied home in Hartford is worth about $69,500, 68% below the Kansas median of $217,200 and 79% below the national median of $332,700. Owners pay a median $1,304 a year in property taxes, about 1.88% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $55,250 a year, so the median home costs 1.3 times the median income (2.9 times for Kansas). 76% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Hartford at a glance
| Hartford | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $69,500 | $217,200 | $332,700 |
| Median property tax paid per year | $1,304 | $2,798 | $3,119 |
| Property tax as a share of value | 1.88% | 1.29% | 0.94% |
| Median household income | $55,250 | $74,275 | $80,734 |
| Homes lived in by their owners | 76% | 67% | 65% |
| Owner homes with a mortgage | 42% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $867 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 14.5% | 19.4% | 21.0% |
| Median rent | $700 | $1,060 | $1,413 |
| Rent as a share of renters' income | 21.7% | 27.1% | 30.6% |
| Median year homes were built | 1963 | 1976 | 1980 |
| Vacant homes | 15.3% | 9.2% | 10.1% |
| Population | 428 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Hartford
At this week's average 30-year rate of 7.11%, buying the median Hartford home of $69,500 with 20% down costs about $512 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $628, 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 $21,937 for the 20%-down payment. That payment is 11% of the median Hartford household income of $55,250; at that income and 20% down, the 28% guideline points to a home of about $175,000.
The median rent here is $700 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $13,900 |
|---|---|
| Loan amount | $55,600 |
| Principal and interest | $374 |
| Property taxes (1.88% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $29 |
| PMI | $0 |
| Total per month | $512 |
Change the numbers in the calculator
| Down payment | $2,432 |
|---|---|
| Loan amount | $68,241 |
| Principal and interest | $459 |
| Property taxes (1.88% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $29 |
| FHA mortgage insurance | $31 |
| Total per month | $628 |
Change the numbers in the calculator
Questions about home buying in Hartford
What is the median home value in Hartford?
About $69,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hartford?
Homeowners pay a median $1,304 a year, which is about 1.88% 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 Hartford?
For the median home with 20% down at 7.11%, the payment is about $512 a month. Keeping that under 28% of gross income takes about $21,937 a year.
More about Hartford
- Mortgage Refinance in Hartford
- Debt Relief in Hartford
- Home Equity Loans in Hartford
- 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