The typical owner-occupied home in Onaga is worth about $116,200, 47% below the Kansas median of $217,200 and 65% below the national median of $332,700. Owners pay a median $1,330 a year in property taxes, about 1.14% of their home's value, lower than the Kansas rate of 1.29%. The median household earns $49,444 a year, so the median home costs 2.4 times the median income (2.9 times for Kansas). 57% of occupied homes here are lived in by their owners, and 40% of those owners still have a mortgage.
Onaga at a glance
| Onaga | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $116,200 | $217,200 | $332,700 |
| Median property tax paid per year | $1,330 | $2,798 | $3,119 |
| Property tax as a share of value | 1.14% | 1.29% | 0.94% |
| Median household income | $49,444 | $74,275 | $80,734 |
| Homes lived in by their owners | 57% | 67% | 65% |
| Owner homes with a mortgage | 40% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,226 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 16.7% | 19.4% | 21.0% |
| Median rent | $945 | $1,060 | $1,413 |
| Rent as a share of renters' income | 26.1% | 27.1% | 30.6% |
| Median year homes were built | 1948 | 1976 | 1980 |
| Vacant homes | 19.9% | 9.2% | 10.1% |
| Population | 727 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Onaga
At this week's average 30-year rate of 7.11%, buying the median Onaga home of $116,200 with 20% down costs about $784 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $978, 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 $33,607 for the 20%-down payment. That payment is 19% of the median Onaga household income of $49,444; at that income and 20% down, the 28% guideline points to a home of about $171,000.
The median rent here is $945 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,240 |
|---|---|
| Loan amount | $92,960 |
| Principal and interest | $625 |
| Property taxes (1.14% a year) | $110 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| PMI | $0 |
| Total per month | $784 |
Change the numbers in the calculator
| Down payment | $4,067 |
|---|---|
| Loan amount | $114,095 |
| Principal and interest | $768 |
| Property taxes (1.14% a year) | $110 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| FHA mortgage insurance | $51 |
| Total per month | $978 |
Change the numbers in the calculator
Questions about home buying in Onaga
What is the median home value in Onaga?
About $116,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Onaga?
Homeowners pay a median $1,330 a year, which is about 1.14% 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 Onaga?
For the median home with 20% down at 7.11%, the payment is about $784 a month. Keeping that under 28% of gross income takes about $33,607 a year.
More about Onaga
- Mortgage Refinance in Onaga
- Debt Relief in Onaga
- Home Equity Loans in Onaga
- 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