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State

Data from November 2026

Housing , home prices, rents and assistance in Kansas (2026)

In Kansas, a typical home is worth $217,200 and the typical rent is $1,060 a month. The FHA limit for a one-unit home is $541,287 in every one of its counties. 3 HUD-approved counseling agencies serve Kansas; 2 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $94,600
  • $94,600–$114,600
  • $114,600–$135,200
  • $135,200–$177,300
  • $177,300 or more
  • 1 with no data

Tap the map to see each county’s figure and open its page.

Typical home value
$217,200
35% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,060
25% less than the U.S.
U.S.: $1,413
Typical household income
$74,275
8% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287
It is the same across Kansas.
U.S.: $541,287 to $1,299,500
Property tax
1.29%
of value a year
The typical bill is $2,798 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Kansas

In Kansas, a typical home is worth $217,200: 35% less than in the United States overall. Prices change a lot by county: from $64,600 in Jewell County to $391,200 in Johnson County. The typical household earns $74,275 a year and the typical rent is $1,060 a month; 43% of renter households spend 30% or more of their income on housing. 67% of households own their home, and the typical property tax is $2,798 a year (about 1.29% of value).

The conforming loan limit for a one-unit home is $832,750 across Kansas. To pay HUD’s fair rent for a 2-bedroom apartment in Kansas ($1,212) without spending more than 30% of income, you need about $23.31 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Kansas

More on property tax

  • Residential exemption from the statewide school levy

    The law exempts up to $75,000 of the appraised valuation of property used for residential purposes from the statewide school levy. It applies from tax year 2024 on.

    Kansas Office of Revisor of Statutes (Kansas Statutes Annotated) · Verified October 24, 2026

  • Homestead refund (Form K-40H)

    The Homestead refund gives back part of the property tax you paid on your Kansas home. The percentage depends on your total household income, and the maximum is $700. For 2025 claims, the page requires that you lived in Kansas all of 2025, had household income of $43,389 or less, owned and lived in a Kansas home during 2025, and that the home is valued at no more than $350,000. You must also meet one of these: be 55 or older all of 2025 (born before January 1, 1970); be blind or totally and permanently disabled all of 2025, at any age; have a dependent child who lived with you the whole year, born before January 1, 2025 and under 18 all of 2025; be a disabled veteran; or be the surviving spouse of a service member who died in the line of duty or of a disabled veteran (until you remarry). The income limit is the 2025 figure and changes each year.

    Kansas Department of Revenue · Verified October 24, 2026

  • The Homestead claim asks for your Social Security number

    The Homestead refund instructions say to enter your Social Security number in the boxes above your name and address. You do not enter the Social Security number under which you receive benefits if that number is not your own.

    Kansas Department of Revenue (2025 Homestead instructions) · Verified October 24, 2026

  • Deadline to file a Homestead refund claim

    For 2025 claims (Forms K-40H, K-40PT or K-40SVR), the window was after December 31, 2025 and no later than April 15, 2026. A late claim may be accepted when good cause exists and it is filed within four years of the original due date. Examples of good cause include being away from the state or country, or a temporary illness, when the claim was due. These dates are for 2025 claims.

    Kansas Department of Revenue (2025 Homestead instructions) · Verified October 24, 2026

  • Deadline to appeal the valuation to the county appraiser

    If you disagree with the classification or appraisal of your property, you can complain or appeal to the county appraiser. For real property, you give notice to the appraiser within 30 days after the date the valuation notice was mailed. The appraiser arranges an informal meeting with you about the property.

    Kansas Office of Revisor of Statutes (Kansas Statutes Annotated) · Verified October 24, 2026

  • SAFESR refund for low-income seniors (Form K-40PT)

    SAFESR is a property tax refund program run by the Kansas Department of Revenue. It refunds 75 percent of the property taxes actually and timely paid on the property used as your principal residence. You claim it on Form K-40PT. For 2025 claims, the page requires being 65 or older all of 2025 (born before January 1, 1960), living in Kansas all of 2025, household income of $25,380 or less, owning and living in a Kansas home during 2025, and a home valued at no more than $350,000. These figures are for 2025 claims.

    Kansas Department of Revenue · Verified October 24, 2026

The homes here

Housing in Kansas

What homes there are in Kansas, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Kansas: 72% of homes, more than in the U.S. (61%).

Year built

Homes in Kansas are older: the typical year built is 1976; in the U.S., 1980.

Much as in the U.S., 63% of homes in Kansas have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in Kansas are worth, the most common range is between $100K and $200K (25%).

Monthly rent with utilities

The largest group of rented homes in Kansas pays between $500 and $999 a month: 38%.

With a mortgage

$1,689 a month

United States: $1,963 a month

Without a mortgage

$641 a month

United States: $638 a month

Owners with a mortgage

57%

United States: 61%

Owning costs less in Kansas: with a mortgage, the typical cost is $1,689 a month; in the U.S., $1,963. Without one, $641.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Kansas gained value more slowly than in the U.S.: 43% since 2015–2019, against 53%.

Rents in Kansas rose more slowly than in the U.S.: 25% since 2015–2019, against 33%.

To compare: typical income in Kansas rose 25%; the home, +43%; the rent, +25%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureKansasUnited States
Rental vacancy 6.2%5.5%
Homeowner vacancy 0.9%0.9%
More than one person per room 2.1%3.4%
People per household 2.442.53
Drive alone 75%69%
Carpool 9%9%
Public transit 0%3%
Walk or bike 3%3%
Work from home 12%15%
Other means 1%2%
Typical commute 10 to 19 minutes20 to 29 minutes

In Kansas, the rental vacancy rate is 6.2%, about the same as in the U.S..

More than one person per room: that is how 2.1% of households in Kansas live, less than in the U.S. (3.4%).

A household in Kansas has 2.44 people on average, about the same as in the U.S. (2.53).

The car rules in Kansas: 75% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Kansas

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Kansas

Start from the typical home value in Kansas, $217,200, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Kansas

$
%

Estimated monthly payment

$1,865

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Kansas rose 84% in the 10 years through 2025.

Price change each year

Period Kansas United States
In 2025 +4.1% +2.9%
5 years (2020–2025) +49% +47%
10 years (2015–2025) +84% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Kansas were 10% lower than the U.S. average. Housing rents were 29% lower than nationwide.

Category Kansas United States Versus the U.S.
All prices Consumer goods and services 90.1 100.0 10% less
Housing rents What renters pay 71.2 100.6 29% less
Water, power and gas Water, sewer, electricity and gas 88.4 98.4 10% less
Goods Food, clothing, transportation and more 94.0 99.6 6% less
Other services Services other than rent 93.8 100.1 6% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Kansas 2% of homes (23,562) are in a high-risk flood zone. Of those homes, 15% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Kansas United States
Homes in a high-risk zone 2% 3.5%
Of those, with NFIP insurance 15% 48%
All homes with NFIP insurance 0.5% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Kansas

The 13 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (52)

    Help to buy

    Assistance programs in Kansas

    Our list has 1 official program that helps you buy in Kansas. Each card says what kind of help it gives and when we checked its official page.

    See the program
    1. First Time Homebuyer Program

      Kansas state corporation 0% loan for 15% or 20% of the price for the down payment and closing costs, forgiven after 10 years in the home, for households with income up to 80% of the area median; not available in Johnson County or in Kansas City, Lawrence, Topeka and Wichita. Offered by Kansas Housing Resources Corporation (KHRC).

      Forgivable Verified November 5, 2026

    Who runs the help in Kansas

    • Kansas Housing Resources Corporation (KHRC)

      The Kansas Housing Resources Corporation (KHRC) runs the First Time Homebuyer (FTHB) program. It helps first-time buyers with the down payment and closing costs. KHRC works with a network of participating lenders across the state, through which you can apply for a 0% interest loan of 15 or 20% of the home's purchase price. If you stay in the home for 10 years, the loan is forgiven.

      The agency's official page · Verified October 24, 2026

    Tenant rights

    Tenant rights in Kansas

    Kansas law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      In Kansas, for an unfurnished home a landlord cannot ask for or accept a security deposit of more than one month's rent. If the rental agreement lets you use the landlord's furniture, the limit is one and a half months' rent. If the rental agreement allows pets, the landlord may ask for an additional deposit of up to half a month's rent.

      K.S.A. 58-2550(a)

    2. When must they return my deposit?

      When the tenancy ends, the landlord may use the deposit for rent you owe and for damages caused by your not meeting your duties or the rental agreement. The landlord must list these charges in a written notice to you. If part is kept for expenses or damages, the landlord must return the rest within 14 days after working them out, and never later than 30 days after the tenancy ends, you give back possession and you ask for the deposit. If you do not ask within 30 days, the landlord must mail what is due to you to your last known address.

      K.S.A. 58-2550(b)

    3. If I fall behind on rent, what notice must I get?

      If you do not pay rent when it is due, the landlord can give you a written notice. It says you have not paid and that the rental agreement will end if you do not pay within 3 days. The 3 days are three straight 24-hour periods. They start when the notice is handed to you or to someone over 12 who lives there, or posted where it can be seen. If the notice is mailed, the law says 2 more days should be allowed to pay.

      K.S.A. 58-2564(b)

    4. How much notice ends a month-to-month rental?

      To end a month-to-month tenancy, you or the landlord must give written notice. The notice must say the tenancy ends on a rent-paying date at least 30 days after the notice is received. For a week-to-week tenancy, the notice is at least 7 days before the end date. If you are in the U.S. military and must end the tenancy because of military orders, you do not have to give more than 15 days' written notice.

      K.S.A. 58-2570(a)-(b)

    5. Are there limits on late fees?

      Data not available

    The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

    Help and advice

    Who can help you in Kansas?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    3 HUD-approved counseling agencies serve Kansas; 2 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    102 public housing authorities run Section 8 vouchers and public housing in Kansas.

    See all 3 agencies See the housing agencies

    Where to file a complaint in Kansas

    • Housing discrimination complaints to the Kansas Human Rights Commission

      Any aggrieved person may file a verified complaint with the Kansas Human Rights Commission (which the law calls "the commission"). The complaint is in writing and states the facts of the discriminatory housing practice. It must be filed within one year after the practice occurred, and may be reasonably and fairly amended at any time.

      Kansas Office of Revisor of Statutes (Kansas Statutes Annotated) · Verified October 24, 2026

    • Free help from the Kansas Department of Insurance

      The Kansas Department of Insurance's Consumer Assistance Division provides free help. Its trained representatives can answer general questions or assist when you have a dispute with your insurance company.

      Kansas Department of Insurance (2024 Complaint Index Report) · Verified October 24, 2026

    • Kansas FAIR plan for owners who cannot get property insurance

      Kansas has a FAIR (fair access to insurance requirements) plan act. Its purpose is to make basic property and casualty insurance available to people with property interests in Kansas who are in good faith entitled to it but cannot get that coverage in the voluntary market. The plan spreads those risks among the insurers that chose to take part.

      Kansas Office of Revisor of Statutes (Kansas Statutes Annotated) · Verified October 24, 2026

    Guides

    Guides for you in Kansas

    We picked them with the numbers of Kansas. Each one says why it can help you.

    Frequently asked questions about housing in Kansas

    What is the FHA limit in Kansas in 2026?

    In Kansas, the FHA limit for a one-unit home is $541,287 in every one of its counties.

    How much does a typical home cost in Kansas?

    The typical home value in Kansas is $217,200 (Average 2020–2024, U.S. Census). The highest is in Johnson County ($391,200) and the lowest in Jewell County ($64,600).

    How much does it cost to rent in Kansas?

    The typical rent in Kansas is $1,060 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Kansas?

    At HUD's average fair market rent in Kansas ($1,212, Fiscal year 2027), about $23.31 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Kansas?

    The typical property tax in Kansas is $2,798 a year, about 1.29% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Kansas?

    There are 3 HUD-approved counseling agencies in Kansas; 2 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).