The typical owner-occupied home in Valley Center is worth about $227,700, 5% above the Kansas median of $217,200 and 32% below the national median of $332,700. Owners pay a median $3,629 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 $77,020 a year, so the median home costs 3.0 times the median income (2.9 times for Kansas). 72% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Valley Center at a glance
| Valley Center | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $227,700 | $217,200 | $332,700 |
| Median property tax paid per year | $3,629 | $2,798 | $3,119 |
| Property tax as a share of value | 1.59% | 1.29% | 0.94% |
| Median household income | $77,020 | $74,275 | $80,734 |
| Homes lived in by their owners | 72% | 67% | 65% |
| Owner homes with a mortgage | 52% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,651 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 19.7% | 19.4% | 21.0% |
| Median rent | $883 | $1,060 | $1,413 |
| Rent as a share of renters' income | 23.8% | 27.1% | 30.6% |
| Median year homes were built | 1981 | 1976 | 1980 |
| Vacant homes | 5.3% | 9.2% | 10.1% |
| Population | 8,590 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Valley Center
At this week's average 30-year rate of 7.11%, buying the median Valley Center home of $227,700 with 20% down costs about $1,622 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,001, 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 $69,513 for the 20%-down payment. That payment is 25% of the median Valley Center household income of $77,020; at that income and 20% down, the 28% guideline points to a home of about $252,000.
The median rent here is $883 a month, so owning the median home costs about $739 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $45,540 |
|---|---|
| Loan amount | $182,160 |
| Principal and interest | $1,225 |
| Property taxes (1.59% a year) | $302 |
| Homeowners insurance (our estimate, 0.5% a year) | $95 |
| PMI | $0 |
| Total per month | $1,622 |
Change the numbers in the calculator
| Down payment | $7,970 |
|---|---|
| Loan amount | $223,576 |
| Principal and interest | $1,504 |
| Property taxes (1.59% a year) | $302 |
| Homeowners insurance (our estimate, 0.5% a year) | $95 |
| FHA mortgage insurance | $101 |
| Total per month | $2,001 |
Change the numbers in the calculator
Questions about home buying in Valley Center
What is the median home value in Valley Center?
About $227,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Valley Center?
Homeowners pay a median $3,629 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 Valley Center?
For the median home with 20% down at 7.11%, the payment is about $1,622 a month. Keeping that under 28% of gross income takes about $69,513 a year.
More about Valley Center
- Mortgage Refinance in Valley Center
- Debt Relief in Valley Center
- Home Equity Loans in Valley Center
- 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