The typical owner-occupied home in Ness City is worth about $116,600, 46% below the Kansas median of $217,200 and 65% below the national median of $332,700. Owners pay a median $1,991 a year in property taxes, about 1.71% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $64,583 a year, so the median home costs 1.8 times the median income (2.9 times for Kansas). 82% of occupied homes here are lived in by their owners, and 43% of those owners still have a mortgage.
Ness City at a glance
| Ness City | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $116,600 | $217,200 | $332,700 |
| Median property tax paid per year | $1,991 | $2,798 | $3,119 |
| Property tax as a share of value | 1.71% | 1.29% | 0.94% |
| Median household income | $64,583 | $74,275 | $80,734 |
| Homes lived in by their owners | 82% | 67% | 65% |
| Owner homes with a mortgage | 43% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,330 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 15.3% | 19.4% | 21.0% |
| Median rent | $663 | $1,060 | $1,413 |
| Rent as a share of renters' income | 25.3% | 27.1% | 30.6% |
| Median year homes were built | 1962 | 1976 | 1980 |
| Vacant homes | 14.3% | 9.2% | 10.1% |
| Population | 1,162 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Ness City
At this week's average 30-year rate of 7.11%, buying the median Ness City home of $116,600 with 20% down costs about $842 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,036, 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 $36,096 for the 20%-down payment. That payment is 16% of the median Ness City household income of $64,583; at that income and 20% down, the 28% guideline points to a home of about $209,000.
The median rent here is $663 a month, so owning the median home costs about $179 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $23,320 |
|---|---|
| Loan amount | $93,280 |
| Principal and interest | $628 |
| Property taxes (1.71% a year) | $166 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| PMI | $0 |
| Total per month | $842 |
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| Down payment | $4,081 |
|---|---|
| Loan amount | $114,488 |
| Principal and interest | $770 |
| Property taxes (1.71% a year) | $166 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| FHA mortgage insurance | $52 |
| Total per month | $1,036 |
Change the numbers in the calculator
Questions about home buying in Ness City
What is the median home value in Ness City?
About $116,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ness City?
Homeowners pay a median $1,991 a year, which is about 1.71% 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 Ness City?
For the median home with 20% down at 7.11%, the payment is about $842 a month. Keeping that under 28% of gross income takes about $36,096 a year.
More about Ness City
- Mortgage Refinance in Ness City
- Debt Relief in Ness City
- Home Equity Loans in Ness 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