The typical owner-occupied home in Durham is worth about $53,300, 75% below the Kansas median of $217,200 and 84% below the national median of $332,700. Owners pay a median $850 a year in property taxes, about 1.59% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $70,313 a year, so the median home costs 0.8 times the median income (2.9 times for Kansas). 98% of occupied homes here are lived in by their owners, and 30% of those owners still have a mortgage.
Durham at a glance
| Durham | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $53,300 | $217,200 | $332,700 |
| Median property tax paid per year | $850 | $2,798 | $3,119 |
| Property tax as a share of value | 1.59% | 1.29% | 0.94% |
| Median household income | $70,313 | $74,275 | $80,734 |
| Homes lived in by their owners | 98% | 67% | 65% |
| Owner homes with a mortgage | 30% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $800 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 13.0% | 19.4% | 21.0% |
| Median rent | – | $1,060 | $1,413 |
| Median year homes were built | 1938 | 1976 | 1980 |
| Vacant homes | 12.8% | 9.2% | 10.1% |
| Population | 83 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Durham
At this week's average 30-year rate of 7.11%, buying the median Durham home of $53,300 with 20% down costs about $380 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $468, 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 $16,272 for the 20%-down payment. That payment is 6% of the median Durham household income of $70,313; at that income and 20% down, the 28% guideline points to a home of about $230,000.
| Down payment | $10,660 |
|---|---|
| Loan amount | $42,640 |
| Principal and interest | $287 |
| Property taxes (1.59% a year) | $71 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| PMI | $0 |
| Total per month | $380 |
Change the numbers in the calculator
| Down payment | $1,866 |
|---|---|
| Loan amount | $52,335 |
| Principal and interest | $352 |
| Property taxes (1.59% a year) | $71 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| FHA mortgage insurance | $24 |
| Total per month | $468 |
Change the numbers in the calculator
Questions about home buying in Durham
What is the median home value in Durham?
About $53,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Durham?
Homeowners pay a median $850 a year, which is about 1.59% 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 Durham?
For the median home with 20% down at 7.11%, the payment is about $380 a month. Keeping that under 28% of gross income takes about $16,272 a year.
More about Durham
- Mortgage Refinance in Durham
- Debt Relief in Durham
- Home Equity Loans in Durham
- 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