The typical owner-occupied home in Sumner County is worth about $135,100, 38% below the Kansas median of $217,200 and 59% below the national median of $332,700. Owners pay a median $2,130 a year in property taxes, about 1.58% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $63,951 a year, so the median home costs 2.1 times the median income (2.9 times for Kansas). 75% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
Sumner County at a glance
| Sumner County | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $135,100 | $217,200 | $332,700 |
| Median property tax paid per year | $2,130 | $2,798 | $3,119 |
| Property tax as a share of value | 1.58% | 1.29% | 0.94% |
| Median household income | $63,951 | $74,275 | $80,734 |
| Homes lived in by their owners | 75% | 67% | 65% |
| Owner homes with a mortgage | 48% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,473 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 19.4% | 21.0% |
| Median rent | $825 | $1,060 | $1,413 |
| Rent as a share of renters' income | 24.8% | 27.1% | 30.6% |
| Median year homes were built | 1962 | 1976 | 1980 |
| Vacant homes | 13.9% | 9.2% | 10.1% |
| Population | 22,353 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Sumner County
At this week's average 30-year rate of 7.11%, buying the median Sumner County home of $135,100 with 20% down costs about $961 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,186, 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 $41,196 for the 20%-down payment. That payment is 18% of the median Sumner County household income of $63,951; at that income and 20% down, the 28% guideline points to a home of about $210,000.
The median rent here is $825 a month, so owning the median home costs about $136 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $27,020 |
|---|---|
| Loan amount | $108,080 |
| Principal and interest | $727 |
| Property taxes (1.58% a year) | $178 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| PMI | $0 |
| Total per month | $961 |
Change the numbers in the calculator
| Down payment | $4,728 |
|---|---|
| Loan amount | $132,653 |
| Principal and interest | $892 |
| Property taxes (1.58% a year) | $178 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| FHA mortgage insurance | $60 |
| Total per month | $1,186 |
Change the numbers in the calculator
Questions about home buying in Sumner County
What is the median home value in Sumner County?
About $135,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Sumner County?
Homeowners pay a median $2,130 a year, which is about 1.58% 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 Sumner County?
For the median home with 20% down at 7.11%, the payment is about $961 a month. Keeping that under 28% of gross income takes about $41,196 a year.
More about Sumner County
- Mortgage Refinance in Sumner County
- Debt Relief in Sumner County
- Home Equity Loans in Sumner 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