In Atchison, a typical home is worth $129,700 and typical rent is $737 a month. Compared with all of Atchison County, the typical home value is 11% lower, typical household income is 11% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $124,533 to $172,842.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Atchison is in Atchison County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Atchison County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Atchison rose 6.6%; in Kansas, it rose 3.5%.
2
Atchison has the 5th lowest typical rent of the 65 cities in Kansas with more than 5,000 people ($737).
3
60% of households in Atchison own their home, against 72% in Atchison County.
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Atchison
What homes there are in Atchison, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Atchison
Atchison County
Kansas
United States
Kind of home: Atchison and its comparisons
Measure
Atchison
Atchison County
Kansas
United States
Detached house
78%
81%
72%
61%
Attached house
Unreliable estimate
Unreliable estimate
5%
6%
Building of 2 to 4
6%
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
7%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Atchison: 78% of homes, near the figure in Atchison County (81%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Atchison
Atchison County
Kansas
United States
Year built: Atchison and its comparisons
Measure
Atchison
Atchison County
Kansas
United States
Before 1960
48%
42%
32%
26%
1960–1979
35%
30%
24%
24%
1980–1999
14%
18%
23%
25%
2000–2009
3%
6%
12%
14%
2010 or later
Unreliable estimate
3%
9%
11%
Homes in Atchison are smaller: 55% have 3 bedrooms or more; in Atchison County, 63%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K35%
$100K–$200K37%
$200K–$300K17%
$300K–$500K12%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Atchison and its comparisons
Measure
Atchison
Under $100K
35%
$100K–$200K
37%
$200K–$300K
17%
$300K–$500K
12%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
The FHA limit for Atchison County is high ($541,287): at least 100% of owner-occupied homes in Atchison are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99946%
HUD fair market rent, 2 bedrooms: $961
$1,000–$1,49926%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Atchison and its comparisons
Measure
Atchison
Under $500
20%
$500–$999
46%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Atchison County is $961: about 63% of rents in Atchison are below it.
With a mortgage
$1,362 a month
Atchison County: $1,374 a month
Without a mortgage
$604 a month
Atchison County: $636 a month
Owners with a mortgage
54%
Atchison County: 48%
Owning costs about the same in Atchison as in Atchison County: with a mortgage, $1,362 a month; without one, $604.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Atchison+44%
Atchison County+32%
Kansas+43%
United States+53%
Typical rent
AtchisonNo clear change
Atchison CountyNo clear change
Kansas+25%
United States+33%
Typical household income
AtchisonNo clear change
Atchison County+21%
Kansas+25%
United States+29%
Change since 2015–2019: Atchison and its comparisons
Measure
Atchison
Atchison County
Kansas
United States
Typical home value
+44%
+32%
+43%
+53%
Typical rent
No clear change
No clear change
+25%
+33%
Typical household income
No clear change
+21%
+25%
+29%
The typical home value in Atchison rose 44% since 2015–2019, more than in Atchison County (32%).
Since 2015–2019, the typical rent in Atchison did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Atchison and its comparisons
Measure
Atchison
Atchison County
Kansas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.1%
3.4%
People per household
2.59
2.52
2.44
2.53
Drive alone
67%
74%
75%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
12%
8%
3%
3%
Work from home
9%
8%
12%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Much as in Atchison County, a household in Atchison has 2.59 people on average.
Many here get to work on foot or by bike: 12%, more than in Atchison County (8%).
Do the math
What would you pay each month for a home in Atchison?
A typical home is within reach of the typical income
We start with a typical home in Atchison, worth $129,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Atchison, which is $54,474 a year.
The calculator's FHA and conventional loan limits are those of all of Atchison County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Atchison. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $4,540 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,143
at 7.18% · 30 years
Loan amount
$127,350
Total interest
$183,227
Paid off in
November 2056
Includes $2,190 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,271 a month
Your payment · 25%
Tight
$1,271 to $1,634 a month
Hard
more than $1,634 a month
Compared with the typical household income in Atchison ($54,474 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$863
Property tax
$169
Home insurance
$54
FHA mortgage insurance (MIP)
$57
You need at least $4,540 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,143; principal and interest $863.
The city and its county
Atchison and Atchison County
Atchison is in Atchison County, Kansas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Atchison
Map of Atchison County, Kansas, with Atchison marked. Around it, the neighboring counties.
Atchison
Atchison County
Other cities with a page
Atchison's own numbers
Typical home value
$129,700
Typical monthly rent
$737
Typical yearly household income
$54,474
Households that own their home
60%
Effective property tax rate
1.56%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Atchison County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$961
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Atchison County.
A typical home in Atchison is worth $129,700: 11% below the county and 40% below Kansas. With the typical household income in Atchison ($54,474 a year), a typical home costs 2.4 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Atchison2.4 years
County2.4 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Atchison County
According to FHFA’s house price index, home prices in Atchison County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Atchison County.
Yearly change in FHFA’s price index in Atchison County, 2016 to 2025
2016: +0.9% +0.9% 2016
2017: +2.3% +2.3% 2017
2018: +1.5% +1.5% 2018
2019: +7.6% +7.6% 2019
2020: +2.8% +2.8% 2020
2021: +11.4% +11.4% 2021
2022: +12.7% +12.7% 2022
2023: +12.0% +12.0% 2023
2024: +17.7% +17.7% 2024
2025: −0.1% −0.1% 2025
Change in FHFA’s price index in Atchison County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
−0.1%
+4.1%
+2.9%
5 years (2020–2025)
+65%
+49%
+47%
10 years (2015–2025)
+92%
+84%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Atchison next to Atchison County, Kansas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Atchison$129,700
County$145,700
Kansas$217,200
United States$332,700
Typical monthly rent
Atchison$737
County$765
Kansas$1,060
United States$1,413
Typical yearly household income
Atchison$54,474
County$61,112
Kansas$74,275
United States$80,734
See the full table
Atchison next to Atchison County and Kansas
Measure
Atchison
Atchison County
Kansas
U.S.
Typical home value
$129,700 ▼11% below the county
$145,700
$217,200
$332,700
Typical monthly rent
$737 ▼4% below the county
$765
$1,060
$1,413
Typical yearly household income
$54,474 ▼11% below the county
$61,112
$74,275
$80,734
Households that own their home
60% ▼11 points below the county
72%
67%
65%
Typical yearly property tax
$2,029 ▲5% above the county
$1,925
$2,798
$3,119
Effective property tax rate
1.56% ▲0.24 points above the county
1.32%
1.29%
0.94%
Renters with high rent for their income
48% ▲4 points above the county
45%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Atchison County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Atchison
For a typical $129,700 home in Atchison, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atchison's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,143a month
Least cash to close
Down payment
$4,540
Cash to close
$8,431
Rate
7.18%
Mortgage insurance
FHA MIP · $57
Conventional, 5% down$1,119a month
Down payment
$6,485
Cash to close
$10,376
Rate
7.18%
Mortgage insurance
PMI · $62
Conventional, 20% down, no PMI$926a month
Down payment
$25,940
Cash to close
$29,831
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,045a month
Down payment
$19,455
Cash to close
$23,346
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Atchison
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,143
$4,540
$127,351
7.18%
FHA MIP · $57
$8,431
580
Conventional, 5% down
$1,119
$6,485
$123,215
7.18%
PMI · $62
$10,376
620*
Conventional, 20% down, no PMI
$926
$25,940
$103,760
7.18%
None
$29,831
620*
ITIN, 15% down (example)
$1,045
$19,455
$110,245
8.18%
None
$23,346
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Atchison is $737 a month: 4% below the county. In Atchison, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Atchison County, by unit size. To pay the 2-bedroom one ($961 a month) without spending more than 30% of your income, you would need to earn $18.48 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Atchison County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$669
$12.87
$26,760
1 bedroom
$735
$14.13
$29,400
2 bedrooms
$961
$18.48
$38,440
3 bedrooms
$1,331
$25.60
$53,240
4 bedrooms
$1,606
$30.88
$64,240
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Atchison
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Atchison is in ZIP code 66002.
For 2 bedrooms it is $970: $9 more than the fair market rent for Atchison County ($961).
Fair market rent by ZIP code and size in Atchison, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
66002
$730
$810
$970
$1,340
$1,620
ZIP code2 bd3 bd
66002 $970$1,340
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Atchison when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 5 buildings with rents for lower incomes in Atchison. These are the largest.
Atchison Housing Authority103 S 7th St, Atchison 66002200 homes, 189 low-income · Run by Atchison Housing Authority · Average payment: $381 a month · Average wait: 7 months(913) 367-3323
Terrace Hills Apartments1200 N 6th St, Atchison 6600254 low-income homes · For families(913) 367-6279
Santa Fe Apts Atchison807 Santa Fe St, Atchison 6600246 low-income homes · In service since 2010 · For older adults(913) 367-2360
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Atchison County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Atchison or Atchison County. The ones below are statewide in Kansas: they work in Atchison the same as in the rest of the state.
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).
No legal help resource on our list is for Atchison or Atchison County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Atchison and all of Atchison County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Atchison?
The typical home value in Atchison is $129,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Atchison County it is $145,700.
How much does it cost to rent in Atchison?
Typical rent in Atchison is $737 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Atchison County is $961.
What is the FHA loan limit in Atchison?
Atchison uses the FHA limit for all of Atchison County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Atchison?
The typical homeowner in Atchison pays $2,029 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Atchison County, the rate is 1.32%.
Where can I find free help to buy or rent in Atchison?
We found no HUD-approved counseling agencies with an office in Atchison County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
