The typical owner-occupied home in Caldwell is worth about $75,600, 65% below the Kansas median of $217,200 and 77% below the national median of $332,700. Owners pay a median $1,456 a year in property taxes, about 1.93% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $44,286 a year, so the median home costs 1.7 times the median income (2.9 times for Kansas). 78% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Caldwell at a glance
| Caldwell | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $75,600 | $217,200 | $332,700 |
| Median property tax paid per year | $1,456 | $2,798 | $3,119 |
| Property tax as a share of value | 1.93% | 1.29% | 0.94% |
| Median household income | $44,286 | $74,275 | $80,734 |
| Homes lived in by their owners | 78% | 67% | 65% |
| Owner homes with a mortgage | 39% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $958 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 12.3% | 19.4% | 21.0% |
| Median rent | $371 | $1,060 | $1,413 |
| Rent as a share of renters' income | 34.0% | 27.1% | 30.6% |
| Median year homes were built | 1953 | 1976 | 1980 |
| Vacant homes | 14.9% | 9.2% | 10.1% |
| Population | 976 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Caldwell
At this week's average 30-year rate of 7.11%, buying the median Caldwell home of $75,600 with 20% down costs about $560 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $686, 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 $23,997 for the 20%-down payment. That payment is 15% of the median Caldwell household income of $44,286; at that income and 20% down, the 28% guideline points to a home of about $140,000.
The median rent here is $371 a month, so owning the median home costs about $189 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $15,120 |
|---|---|
| Loan amount | $60,480 |
| Principal and interest | $407 |
| Property taxes (1.93% a year) | $122 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| PMI | $0 |
| Total per month | $560 |
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| Down payment | $2,646 |
|---|---|
| Loan amount | $74,231 |
| Principal and interest | $499 |
| Property taxes (1.93% a year) | $122 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| FHA mortgage insurance | $33 |
| Total per month | $686 |
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Questions about home buying in Caldwell
What is the median home value in Caldwell?
About $75,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Caldwell?
Homeowners pay a median $1,456 a year, which is about 1.93% 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 Caldwell?
For the median home with 20% down at 7.11%, the payment is about $560 a month. Keeping that under 28% of gross income takes about $23,997 a year.
More about Caldwell
- Mortgage Refinance in Caldwell
- Debt Relief in Caldwell
- Home Equity Loans in Caldwell
- 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