The typical owner-occupied home in Kansas is worth about $77,500, 61% below the Oklahoma median of $199,800 and 77% below the national median of $332,700. The median household earns $33,438 a year, so the median home costs 2.3 times the median income (3.1 times for Oklahoma). 89% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Kansas at a glance
| Kansas | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $77,500 | $199,800 | $332,700 |
| Median property tax paid per year | – | $1,599 | $3,119 |
| Median household income | $33,438 | $65,039 | $80,734 |
| Homes lived in by their owners | 89% | 66% | 65% |
| Owner homes with a mortgage | 65% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $584 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 41.8% | 19.6% | 21.0% |
| Median rent | $920 | $1,014 | $1,413 |
| Rent as a share of renters' income | 26.4% | 28.4% | 30.6% |
| Median year homes were built | 1988 | 1980 | 1980 |
| Vacant homes | 23.9% | 12.0% | 10.1% |
| Population | 748 | 4,028,634 | 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 $77,500 with 20% down costs about $520 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $650, 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 $22,303 for the 20%-down payment. That payment is 19% of the median Kansas household income of $33,438; at that income and 20% down, the 28% guideline points to a home of about $116,000.
The median rent here is $920 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $15,500 |
|---|---|
| Loan amount | $62,000 |
| Principal and interest | $417 |
| Property taxes (1.10% a year) | $71 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| PMI | $0 |
| Total per month | $520 |
Change the numbers in the calculator
| Down payment | $2,712 |
|---|---|
| Loan amount | $76,096 |
| Principal and interest | $512 |
| Property taxes (1.10% a year) | $71 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| FHA mortgage insurance | $34 |
| Total per month | $650 |
Change the numbers in the calculator
Questions about home buying in Kansas
What is the median home value in Kansas?
About $77,500 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 $520 a month. Keeping that under 28% of gross income takes about $22,303 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