In De Soto, a typical home is worth $422,400 and typical rent is $1,158 a month. Compared with all of Johnson County, typical rent is 19% lower and the typical home value is 8% higher.
Typical home value from Zillow, September 2021 to September 2026: from $333,114 to $428,826.
Typical rent
$1,486a month
Typical rent from Zillow, June 2026 to September 2026: from $1,412 to $1,486.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
De Soto is in Johnson 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 Johnson County. See the county
What this place has that others do not, from public data, most unusual first.
1
De Soto has the 3rd highest typical home value of the 64 cities in Kansas with more than 5,000 people ($422,400).
2
Nearby, in Bonner Springs, the typical home value is $247,200: 41% less than in De Soto ($422,400).
3
The typical rent in De Soto is $1,158 a month, 19% less than in Johnson County as a whole ($1,434).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in De Soto
What homes there are in De Soto, 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
De Soto
Johnson County
Kansas
United States
Kind of home: De Soto and its comparisons
Measure
De Soto
Johnson County
Kansas
United States
Detached house
70%
66%
72%
61%
Attached house
Unreliable estimate
8%
5%
6%
Building of 2 to 4
7%
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
21%
13%
19%
Mobile home
Unreliable estimate
1%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In De Soto, 7 in 10 homes are single-family detached houses; in Johnson County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
De Soto
Johnson County
Kansas
United States
Year built: De Soto and its comparisons
Measure
De Soto
Johnson County
Kansas
United States
Before 1960
Unreliable estimate
14%
32%
26%
1960–1979
14%
22%
24%
24%
1980–1999
42%
33%
23%
25%
2000–2009
18%
17%
12%
14%
2010 or later
15%
14%
9%
11%
In De Soto, half of the homes were built before 1992; in Johnson County, before 1989.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K20%
$300K–$500K25%
$500K–$750K24%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: De Soto and its comparisons
Measure
De Soto
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
20%
$300K–$500K
25%
$500K–$750K
24%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99920%
$1,000–$1,49968%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: De Soto and its comparisons
Measure
De Soto
Under $500
Unreliable
$500–$999
20%
$1,000–$1,499
68%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,080 a month
Johnson County: $2,254 a month
Without a mortgage
$751 a month
Johnson County: $872 a month
Owners with a mortgage
65%
Johnson County: 69%
The typical cost for an owner with a mortgage in De Soto is $3,080 a month, more than in Johnson County ($2,254); without one, $751.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
De Soto+85%
Johnson County+51%
Kansas+43%
United States+53%
Typical rent
De Soto+52%
Johnson County+29%
Kansas+25%
United States+33%
Typical household income
De Soto+72%
Johnson County+23%
Kansas+25%
United States+29%
Change since 2015–2019: De Soto and its comparisons
Measure
De Soto
Johnson County
Kansas
United States
Typical home value
+85%
+51%
+43%
+53%
Typical rent
+52%
+29%
+25%
+33%
Typical household income
+72%
+23%
+25%
+29%
Since 2015–2019, homes in De Soto gained value faster than in Johnson County: 85% against 51%.
Rents in De Soto rose faster than in Johnson County: 52% since 2015–2019, against 29%.
The typical household income in De Soto rose 72% over that time; home values changed +85% and rent +52%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: De Soto and its comparisons
Measure
De Soto
Johnson County
Kansas
United States
Rental vacancy
Unreliable estimate
5.5%
6.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.4%
0.9%
0.9%
More than one person per room
Unreliable estimate
1.4%
2.1%
3.4%
People per household
2.68
2.46
2.44
2.53
Drive alone
73%
70%
75%
69%
Carpool
Unreliable estimate
6%
9%
9%
Public transit
Unreliable estimate
0%
0%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
19%
22%
12%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Households in De Soto are bigger: 2.68 people on average; in Johnson County, 2.46.
To get to work, 73% of workers in De Soto drive alone; in Johnson County, 70%.
Do the math
What would you pay each month for a home in De Soto?
A typical home costs more than the typical income allows
We start with a typical home in De Soto, worth $422,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in De Soto, which is $104,000 a year. For that payment to be 28% of income, a household would need to earn about $155,726 a year.
The calculator's FHA and conventional loan limits are those of all of Johnson 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 De Soto. 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 $14,784 (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
$3,634
at 7.18% · 30 years
Loan amount
$414,749
Total interest
$596,727
Paid off in
November 2056
Includes $7,133 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,427 a month
Tight
$2,427 to $3,120 a month
Hard
more than $3,120 a month
Your payment · 42%
Compared with the typical household income in De Soto ($104,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,810
Property tax
$461
Home insurance
$176
FHA mortgage insurance (MIP)
$187
You need at least $14,784 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 $3,634; principal and interest $2,810.
The city and its county
De Soto and Johnson County
De Soto is in Johnson 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).
De Soto
Map of Johnson County, Kansas, with De Soto marked. Around it, the neighboring counties.
De Soto
Johnson County
Other cities with a page
De Soto's own numbers
Typical home value
$422,400
Typical monthly rent
$1,158
Typical yearly household income
$104,000
Households that own their home
72%
Effective property tax rate
1.31%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Johnson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
0.4%
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 Johnson County.
A typical home in De Soto is worth $422,400: 8% above the county and 94% above Kansas. With the typical household income in De Soto ($104,000 a year), a typical home costs 4.1 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.
De Soto4.1 years
Johnson3.6 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Johnson County
According to FHFA’s house price index, home prices in Johnson County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Johnson County.
Yearly change in FHFA’s price index in Johnson County, 2016 to 2025
2016: +6.2% +6.2% 2016
2017: +7.3% +7.3% 2017
2018: +7.1% +7.1% 2018
2019: +4.7% +4.7% 2019
2020: +4.5% +4.5% 2020
2021: +10.8% +10.8% 2021
2022: +14.5% +14.5% 2022
2023: +7.5% +7.5% 2023
2024: +6.3% +6.3% 2024
2025: +3.8% +3.8% 2025
Change in FHFA’s price index in Johnson County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+3.8%
+4.1%
+2.9%
5 years (2020–2025)
+50%
+49%
+47%
10 years (2015–2025)
+101%
+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
De Soto next to Johnson 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
De Soto$422,400
Johnson$391,200
Kansas$217,200
United States$332,700
Typical monthly rent
De Soto$1,158
Johnson$1,434
Kansas$1,060
United States$1,413
Typical yearly household income
De Soto$104,000
Johnson$109,208
Kansas$74,275
United States$80,734
See the full table
De Soto next to Johnson County and Kansas
Measure
De Soto
Johnson County
Kansas
U.S.
Typical home value
$422,400 ▲8% above the county
$391,200
$217,200
$332,700
Typical monthly rent
$1,158 ▼19% below the county
$1,434
$1,060
$1,413
Typical yearly household income
$104,000 ▼5% below the county
$109,208
$74,275
$80,734
Households that own their home
72% ▲4 points above the county
69%
67%
65%
Typical yearly property tax
$5,552 ▲25% above the county
$4,447
$2,798
$3,119
Effective property tax rate
1.31% ▲0.17 points above the county
1.14%
1.29%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Johnson 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 De Soto
For a typical $422,400 home in De Soto, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, De Soto's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,634a month
Least cash to close
Down payment
$14,784
Cash to close
$27,456
Rate
7.18%
Mortgage insurance
FHA MIP · $187
Conventional, 5% down$3,556a month
Down payment
$21,120
Cash to close
$33,792
Rate
7.18%
Mortgage insurance
PMI · $201
Conventional, 20% down, no PMI$2,926a month
Down payment
$84,480
Cash to close
$97,152
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,317a month
Down payment
$63,360
Cash to close
$76,032
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in De Soto
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,634
$14,784
$414,749
7.18%
FHA MIP · $187
$27,456
580
Conventional, 5% down
$3,556
$21,120
$401,280
7.18%
PMI · $201
$33,792
620*
Conventional, 20% down, no PMI
$2,926
$84,480
$337,920
7.18%
None
$97,152
620*
ITIN, 15% down (example)
$3,317
$63,360
$359,040
8.18%
None
$76,032
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 De Soto is $1,158 a month: 19% below the county.
HUD publishes a fair market rent for all of Johnson County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 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 Johnson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,257
$24.17
$50,280
1 bedroom
$1,366
$26.27
$54,640
2 bedrooms
$1,546
$29.73
$61,840
3 bedrooms
$2,020
$38.85
$80,800
4 bedrooms
$2,419
$46.52
$96,760
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 De Soto
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). De Soto is in ZIP code 66018.
For 2 bedrooms it is $1,390: $156 less than the fair market rent for Johnson County ($1,546).
Fair market rent by ZIP code and size in De Soto, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
66018
$1,130
$1,230
$1,390
$1,820
$2,180
ZIP code2 bd3 bd
66018 $1,390$1,820
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for De Soto 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)
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 Johnson 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 De Soto or Johnson County. The ones below are statewide in Kansas: they work in De Soto 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 De Soto or Johnson 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 De Soto and all of Johnson 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 De Soto?
The typical home value in De Soto is $422,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $391,200.
How much does it cost to rent in De Soto?
Typical rent in De Soto is $1,158 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,546.
What is the FHA loan limit in De Soto?
De Soto uses the FHA limit for all of Johnson 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 De Soto?
The typical homeowner in De Soto pays $5,552 a year, according to the U.S. Census Bureau. That is 1.31% of the home’s value; in Johnson County, the rate is 1.14%.
Where can I find free help to buy or rent in De Soto?
We found no HUD-approved counseling agencies with an office in Johnson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
