The typical owner-occupied home in Miami County is worth about $287,700, 32% above the Kansas median of $217,200 and 14% below the national median of $332,700. Owners pay a median $3,643 a year in property taxes, about 1.27% of their home's value, close to the Kansas rate of 1.29%. The median household earns $89,000 a year, so the median home costs 3.2 times the median income (2.9 times for Kansas). 78% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Miami County at a glance
| Miami County | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $287,700 | $217,200 | $332,700 |
| Median property tax paid per year | $3,643 | $2,798 | $3,119 |
| Property tax as a share of value | 1.27% | 1.29% | 0.94% |
| Median household income | $89,000 | $74,275 | $80,734 |
| Homes lived in by their owners | 78% | 67% | 65% |
| Owner homes with a mortgage | 62% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,895 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 20.1% | 19.4% | 21.0% |
| Median rent | $1,107 | $1,060 | $1,413 |
| Rent as a share of renters' income | 28.1% | 27.1% | 30.6% |
| Median year homes were built | 1987 | 1976 | 1980 |
| Vacant homes | 3.7% | 9.2% | 10.1% |
| Population | 34,938 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Miami County
At this week's average 30-year rate of 7.11%, buying the median Miami County home of $287,700 with 20% down costs about $1,973 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,452, 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 $84,543 for the 20%-down payment. That payment is 27% of the median Miami County household income of $89,000; at that income and 20% down, the 28% guideline points to a home of about $303,000.
The median rent here is $1,107 a month, so owning the median home costs about $866 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $57,540 |
|---|---|
| Loan amount | $230,160 |
| Principal and interest | $1,548 |
| Property taxes (1.27% a year) | $304 |
| Homeowners insurance (our estimate, 0.5% a year) | $120 |
| PMI | $0 |
| Total per month | $1,973 |
Change the numbers in the calculator
| Down payment | $10,070 |
|---|---|
| Loan amount | $282,489 |
| Principal and interest | $1,900 |
| Property taxes (1.27% a year) | $304 |
| Homeowners insurance (our estimate, 0.5% a year) | $120 |
| FHA mortgage insurance | $127 |
| Total per month | $2,452 |
Change the numbers in the calculator
Questions about home buying in Miami County
What is the median home value in Miami County?
About $287,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Miami County?
Homeowners pay a median $3,643 a year, which is about 1.27% 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 Miami County?
For the median home with 20% down at 7.11%, the payment is about $1,973 a month. Keeping that under 28% of gross income takes about $84,543 a year.
More about Miami County
- Mortgage Refinance in Miami County
- Debt Relief in Miami County
- Home Equity Loans in Miami 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