The typical owner-occupied home in Kansas is worth about $73,800, 66% below the Ohio median of $214,800 and 78% below the national median of $332,700. The median household earns $53,144 a year, so the median home costs 1.4 times the median income (3.0 times for Ohio). 46% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Kansas at a glance
| Kansas | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $73,800 | $214,800 | $332,700 |
| Median property tax paid per year | – | $2,822 | $3,119 |
| Median household income | $53,144 | $71,389 | $80,734 |
| Homes lived in by their owners | 46% | 67% | 65% |
| Owner homes with a mortgage | 32% | 61% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,517 | $1,963 |
| Median rent | – | $1,034 | $1,413 |
| Median year homes were built | 1938 | 1970 | 1980 |
| Vacant homes | 34.4% | 8.1% | 10.1% |
| Population | 200 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Kansas
At this week's average 30-year rate of 7.11%, buying the median Kansas home of $73,800 with 20% down costs about $496 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $619, 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 $21,239 for the 20%-down payment. That payment is 11% of the median Kansas household income of $53,144; at that income and 20% down, the 28% guideline points to a home of about $185,000.
| Down payment | $14,760 |
|---|---|
| Loan amount | $59,040 |
| Principal and interest | $397 |
| Property taxes (1.10% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $31 |
| PMI | $0 |
| Total per month | $496 |
Change the numbers in the calculator
| Down payment | $2,583 |
|---|---|
| Loan amount | $72,463 |
| Principal and interest | $487 |
| Property taxes (1.10% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $31 |
| FHA mortgage insurance | $33 |
| Total per month | $619 |
Change the numbers in the calculator
Questions about home buying in Kansas
What is the median home value in Kansas?
About $73,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Kansas?
For the median home with 20% down at 7.11%, the payment is about $496 a month. Keeping that under 28% of gross income takes about $21,239 a year.
More about Kansas
- Mortgage Refinance in Kansas
- Debt Relief in Kansas
- Home Equity Loans in Kansas
- 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