The typical owner-occupied home in Kirby is worth about $95,000, 69% below the Wyoming median of $309,700 and 71% below the national median of $332,700. Owners pay a median $675 a year in property taxes, about 0.71% of their home's value, higher than the Wyoming rate of 0.57%. The median household earns $33,750 a year, so the median home costs 2.8 times the median income (4.1 times for Wyoming). 87% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Kirby at a glance
| Kirby | Wyoming | U.S. | |
|---|---|---|---|
| Median home value | $95,000 | $309,700 | $332,700 |
| Median property tax paid per year | $675 | $1,767 | $3,119 |
| Property tax as a share of value | 0.71% | 0.57% | 0.94% |
| Median household income | $33,750 | $76,176 | $80,734 |
| Homes lived in by their owners | 87% | 72% | 65% |
| Owner homes with a mortgage | 36% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $950 | $1,754 | $1,963 |
| Those costs as a share of the owners' income | 35.0% | 21.0% | 21.0% |
| Median rent | – | $992 | $1,413 |
| Median year homes were built | 1971 | 1981 | 1980 |
| Vacant homes | 0.0% | 12.2% | 10.1% |
| Population | 60 | 582,397 | 334,922,499 |
What a typical home costs per month in Kirby
At this week's average 30-year rate of 7.11%, buying the median Kirby home of $95,000 with 20% down costs about $607 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $765, 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 $26,016 for the 20%-down payment. That payment is 22% of the median Kirby household income of $33,750; at that income and 20% down, the 28% guideline points to a home of about $123,000.
| Down payment | $19,000 |
|---|---|
| Loan amount | $76,000 |
| Principal and interest | $511 |
| Property taxes (0.71% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| PMI | $0 |
| Total per month | $607 |
Change the numbers in the calculator
| Down payment | $3,325 |
|---|---|
| Loan amount | $93,279 |
| Principal and interest | $628 |
| Property taxes (0.71% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| FHA mortgage insurance | $42 |
| Total per month | $765 |
Change the numbers in the calculator
Questions about home buying in Kirby
What is the median home value in Kirby?
About $95,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kirby?
Homeowners pay a median $675 a year, which is about 0.71% 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 Kirby?
For the median home with 20% down at 7.11%, the payment is about $607 a month. Keeping that under 28% of gross income takes about $26,016 a year.
More about Kirby
- Mortgage Refinance in Kirby
- Debt Relief in Kirby
- Home Equity Loans in Kirby
- 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