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City · 5,015 residents · Cloud County, Kansas

Concordia , Kansas

In Concordia, a typical home is worth $102,600 and typical rent is $808 a month. Compared with all of Cloud County, typical household income is 13% lower, typical rent is 5% higher, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $102,600

    3% above the county

    53% below Kansas

    • Concordia
    • Cloud
    • Kansas

  • Typical rent

    $808a month

    5% above the county

    24% below Kansas

    • Concordia
    • Cloud
    • Kansas

  • Typical household income

    $51,138a year

    13% below the county

    31% below Kansas

    • Concordia
    • Cloud
    • Kansas

  • Households that own their home

    66%

    7 points below the county

    1 points below Kansas

    • Concordia
    • Cloud
    • Kansas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$128,534
4.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Concordia is in Cloud 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 Cloud County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Concordia apart

What this place has that others do not, from public data, most unusual first.

  1. 66% of households in Concordia own their home, against 74% in Cloud County.

  2. Concordia has the 7th lowest typical household income of the 65 cities in Kansas with more than 5,000 people ($51,138).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Concordia

What homes there are in Concordia, 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 is the most common home in Concordia: 86% of homes, near the figure in Cloud County (88%).

Year built

Here half of the homes date from 1957 or later; in Cloud County, from 1953 or later.

In Concordia, 60% of homes have 3 bedrooms or more, about the same as in Cloud County.

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
Monthly rent with utilities

With a mortgage

$1,016 a month

Cloud County: $1,117 a month

Without a mortgage

$548 a month

Cloud County: $511 a month

Owners with a mortgage

54%

Cloud County: 47%

In Concordia, 54% of owners have a mortgage, and their typical cost is $1,016 a month, against $1,117 in Cloud County. Without one it drops to $548.

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

The typical home value in Concordia rose 34% since 2015–2019, about the same as in Cloud County (32%).

Rents in Concordia rose faster than in Cloud County: 29% since 2015–2019, against 22%.

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

MeasureConcordiaCloud CountyKansasUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.1%3.4%
People per household 2.152.202.442.53
Drive alone 82%83%75%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate4%12%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute under 10 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Much as in Cloud County, a household in Concordia has 2.15 people on average.

In Concordia, 82% of workers drive alone to work; in Cloud County, 83%.

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

Do the math

What would you pay each month for a home in Concordia?

A typical home is within reach of the typical income

We start with a typical home in Concordia, worth $102,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Concordia, which is $51,138 a year.

The calculator's FHA and conventional loan limits are those of all of Cloud County.

Your numbers

Local data
$

Starts at the typical home value in Concordia. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,591 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$922

at 7.18% · 30 years

Loan amount
$100,742
Total interest
$144,944
Paid off in
November 2056

Includes $1,733 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,193 a month

    Your payment · 22%

  • Tight

    $1,193 to $1,534 a month

  • Hard

    more than $1,534 a month

Compared with the typical household income in Concordia ($51,138 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$922
Principal & interest$682
Property tax$151
Home insurance$43
FHA mortgage insurance (MIP)$45

You need at least $3,591 for the down payment, plus closing costs.

Next step

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.

The city and its county

Concordia and Cloud County

Concordia is in Cloud 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).

Concordia's own numbers

Typical home value
$102,600
Typical monthly rent
$808
Typical yearly household income
$51,138
Households that own their home
66%
Effective property tax rate
1.77%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cloud 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)
+52%
Homes in a high flood-risk zone
6.6%

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 Cloud County.

Everything about Cloud County

Buying

Buying a home in Concordia

A typical home in Concordia is worth $102,600: 3% above the county and 53% below Kansas. With the typical household income in Concordia ($51,138 a year), a typical home costs 2.0 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.

  • Concordia 2.0 years
  • Cloud 1.7 years
  • Kansas 2.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cloud County

According to FHFA’s house price index, home prices in Cloud County rose 71% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Cloud County.

Period County Kansas U.S.
Last year (2025) +1.8% +4.1% +2.9%
5 years (2020–2025) +52% +49% +47%
10 years (2015–2025) +71% +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

Concordia next to Cloud 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
  • Concordia $102,600
  • Cloud $100,000
  • Kansas $217,200
  • United States $332,700
Typical monthly rent
  • Concordia $808
  • Cloud $769
  • Kansas $1,060
  • United States $1,413
Typical yearly household income
  • Concordia $51,138
  • Cloud $58,770
  • Kansas $74,275
  • United States $80,734
See the full table
Concordia next to Cloud County and Kansas
Measure Concordia Cloud County Kansas U.S.
Typical home value $102,600 $100,000 $217,200 $332,700
Typical monthly rent $808 $769 $1,060 $1,413
Typical yearly household income $51,138 $58,770 $74,275 $80,734
Households that own their home 66% 74% 67% 65%
Typical yearly property tax $1,811 $1,704 $2,798 $3,119
Effective property tax rate 1.77% 1.7% 1.29% 0.94%
Renters with high rent for their income 44% 39% 43% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cloud 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 Concordia

For a typical $102,600 home in Concordia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Concordia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $922a month

    Least cash to close
    Down payment
    $3,591
    Cash to close
    $6,669
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $45

  • Conventional, 5% down $903a month

    Down payment
    $5,130
    Cash to close
    $8,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $750a month

    Down payment
    $20,520
    Cash to close
    $23,598
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $845a month

    Down payment
    $15,390
    Cash to close
    $18,468
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Concordia and for Cloud County.

Property tax

Effective rate in Concordia

1.77%of the home’s value each year

$1,811 a year for the typical owner in Concordia.

  • Concordia 1.77%
  • Cloud 1.7%
  • Kansas 1.29%

What Kansas publishes Residential exemption from the statewide school levy (Kansas Office of Revisor of Statutes (Kansas Statutes Annotated))

Exemptions and deadlines in Kansas

Flood risk in Cloud County

FEMA does not publish these numbers by city: they are for all of Cloud County.

Homes in the high-risk zone
6.6%
344
Of those, with NFIP insurance
2.9%
County Kansas U.S.
Homes in the high-risk zone 6.6% 2% 3.5%
Of those, with NFIP insurance 2.9% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Concordia

Typical rent in Concordia is $808 a month: 5% above the county. In Concordia, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cloud 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.

HUD fair market rent for all of Cloud County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $707 $13.60 $28,280
1 bedroom $790 $15.19 $31,600
2 bedrooms $961 $18.48 $38,440
3 bedrooms $1,145 $22.02 $45,800
4 bedrooms $1,398 $26.88 $55,920

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 Concordia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Concordia is in ZIP code 66901.

For 2 bedrooms it is $1,010: $49 more than the fair market rent for Cloud County ($961).

  • 66901 $1,010$1,210

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Concordia 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Concordia

HUD lists 4 buildings with rents for lower incomes in Concordia. These are the largest.

  • Savannah Park of Concordia 908 Matthew St, Concordia 66901 24 low-income homes · 1 bd: 20 · 2 bd: 4 · In service since 1994
  • Concordia Apartments 516 E 16th St, Concordia 66901 24 homes, 23 low-income · For families (785) 243-4464
  • Concordia II Apartments 516 E 17th St, Concordia 66901 22 low-income homes · For families (785) 243-4464
  • Sunflower Apts Concordia 800 Russ St, Concordia 66901 20 low-income homes · 1 bd: 12 · 2 bd: 8 · In service since 1991

See all 5 buildings in Cloud County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Concordia

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 Cloud County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Concordia

No down payment, repair or rent-help program on our list is for Concordia or Cloud County. The ones below are statewide in Kansas: they work in Concordia the same as in the rest of the state.

Which programs do I qualify for? All programs in Kansas

  • First Time Homebuyer Program

    Statewide in Kansas

    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

    See the program Official page

Housing counselors near Concordia

The HUD-approved agencies closest to the center of Concordia, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Cambridge Credit Counseling Corporation - Wichita Branch

    727 N Waco Ave, Wichita · 130 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (800) 757-1788

  • Community Housing of Wyandotte County, Inc.

    2 S 14th St, Kansas City · 164 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (913) 342-7580

  • Catholic Charities of Southwest Kansas

    804 N 2nd Ave, Dodge City · 179 miles away · Spanish

    Also serves in Creole, French, and Swahili.

    • Budget and financial counseling
    • Home improvement and repairs
    • and 4 more
    (620) 227-1562

All counseling agencies in Kansas

Help in Spanish near Concordia

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Concordia

HUD lists no housing authority with an office in Cloud County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Kansas Source: HUD

Cities

Nearby cities

The cities closest to Concordia, with the typical home value.

Everything about Cloud County Housing in Kansas

Neighboring counties

If Cloud County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Concordia.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Concordia

Short answers with the numbers for Concordia and all of Cloud 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 Concordia?

The typical home value in Concordia is $102,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cloud County it is $100,000.

How much does it cost to rent in Concordia?

Typical rent in Concordia is $808 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cloud County is $961.

What is the FHA loan limit in Concordia?

Concordia uses the FHA limit for all of Cloud 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 Concordia?

The typical homeowner in Concordia pays $1,811 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Cloud County, the rate is 1.7%.

Where can I find free help to buy or rent in Concordia?

We found no HUD-approved counseling agencies with an office in Cloud County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).