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City · 12,769 residents · Butler County, Kansas

El Dorado , Kansas

In El Dorado, a typical home is worth $120,300 and typical rent is $844 a month. Compared with all of Butler County, the typical home value is 45% lower, typical household income is 27% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $120,300

    45% below the county

    45% below Kansas

    • El Dorado
    • Butler
    • Kansas

  • Typical rent

    $844a month

    12% below the county

    20% below Kansas

    • El Dorado
    • Butler
    • Kansas

  • Typical household income

    $59,180a year

    27% below the county

    20% below Kansas

    • El Dorado
    • Butler
    • Kansas

  • Households that own their home

    60%

    18 points below the county

    7 points below Kansas

    • El Dorado
    • Butler
    • Kansas

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

Market now, with Zillow data

Zillow data
Typical home value
$172,815
3.4% more than 12 months ago
Typical rent
$827 a month
4.2% more than 12 months ago

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

El Dorado is in Butler 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 Butler County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets El Dorado apart

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

  1. The typical home in El Dorado is worth $120,300, 45% less than in Butler County as a whole ($217,600).

  2. 60% of households in El Dorado own their home, against 78% in Butler County.

  3. The typical household income in El Dorado is $59,180, 27% less than in Butler County as a whole ($81,610).

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

The homes here

Housing in El Dorado

What homes there are in El Dorado, 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 still the most common home in El Dorado, but it weighs less than in Butler County: 76% against 80%.

Year built

The typical home in El Dorado was built in 1959, 25 years before the typical one in Butler County.

Homes in El Dorado are smaller: 54% have 3 bedrooms or more; in Butler County, 73%.

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

$1,302 a month

Butler County: $1,689 a month

Without a mortgage

$540 a month

Butler County: $705 a month

Owners with a mortgage

59%

Butler County: 62%

In El Dorado, 59% of owners have a mortgage, and their typical cost is $1,302 a month, against $1,689 in Butler County. Without one it drops to $540.

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 El Dorado rose 36% since 2015–2019, less than in Butler County (46%).

The typical rent in El Dorado stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureEl DoradoButler 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 estimate1.3%2.1%3.4%
People per household 2.202.572.442.53
Drive alone 82%81%75%69%
Carpool 7%8%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 5%9%12%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutes10 to 19 minutes20 to 29 minutes

Fewer people live in each home here: 2.20 on average, against 2.57 in Butler County.

To get to work, 82% of workers in El Dorado drive alone; in Butler County, 81%.

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 El Dorado?

A typical home is within reach of the typical income

We start with a typical home in El Dorado, worth $120,300, 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 El Dorado, which is $59,180 a year.

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

Your numbers

Local data
$

Starts at the typical home value in El Dorado. 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 $4,211 (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

$1,104

at 7.18% · 30 years

Loan amount
$118,121
Total interest
$169,948
Paid off in
November 2056

Includes $2,032 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,381 a month

    Your payment · 22%

  • Tight

    $1,381 to $1,775 a month

  • Hard

    more than $1,775 a month

Compared with the typical household income in El Dorado ($59,180 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,104
Principal & interest$800
Property tax$201
Home insurance$50
FHA mortgage insurance (MIP)$53

You need at least $4,211 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

El Dorado and Butler County

El Dorado is in Butler 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).

El Dorado's own numbers

Typical home value
$120,300
Typical monthly rent
$844
Typical yearly household income
$59,180
Households that own their home
60%
Effective property tax rate
2%

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

Numbers for all of Butler County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,043
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
2.1%

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 Butler County.

Everything about Butler County

Buying

Buying a home in El Dorado

A typical home in El Dorado is worth $120,300: 45% below the county and 45% below Kansas. With the typical household income in El Dorado ($59,180 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.

  • El Dorado 2.0 years
  • Butler 2.7 years
  • Kansas 2.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Butler County

According to FHFA’s house price index, home prices in Butler County rose 76% in the 10 years through 2025.

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

Period County Kansas U.S.
Last year (2025) +4.4% +4.1% +2.9%
5 years (2020–2025) +51% +49% +47%
10 years (2015–2025) +76% +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

El Dorado next to Butler 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
  • El Dorado $120,300
  • Butler $217,600
  • Kansas $217,200
  • United States $332,700
Typical monthly rent
  • El Dorado $844
  • Butler $956
  • Kansas $1,060
  • United States $1,413
Typical yearly household income
  • El Dorado $59,180
  • Butler $81,610
  • Kansas $74,275
  • United States $80,734
See the full table
El Dorado next to Butler County and Kansas
Measure El Dorado Butler County Kansas U.S.
Typical home value $120,300 $217,600 $217,200 $332,700
Typical monthly rent $844 $956 $1,060 $1,413
Typical yearly household income $59,180 $81,610 $74,275 $80,734
Households that own their home 60% 78% 67% 65%
Typical yearly property tax $2,407 $3,177 $2,798 $3,119
Effective property tax rate 2% 1.46% 1.29% 0.94%
Renters with high rent for their income 41% 41% 43% 51%

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

For a typical $120,300 home in El Dorado, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, El Dorado's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,104a month

    Least cash to close
    Down payment
    $4,211
    Cash to close
    $7,820
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $53

  • Conventional, 5% down $1,082a month

    Down payment
    $6,015
    Cash to close
    $9,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $57

  • Conventional, 20% down, no PMI $903a month

    Down payment
    $24,060
    Cash to close
    $27,669
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,014a month

    Down payment
    $18,045
    Cash to close
    $21,654
    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 El Dorado and for Butler County.

Property tax

Effective rate in El Dorado

2%of the home’s value each year

$2,407 a year for the typical owner in El Dorado.

  • El Dorado 2%
  • Butler 1.46%
  • 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 Butler County

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

Homes in the high-risk zone
2.1%
600
Of those, with NFIP insurance
17%
County Kansas U.S.
Homes in the high-risk zone 2.1% 2% 3.5%
Of those, with NFIP insurance 17% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in El Dorado

Typical rent in El Dorado is $844 a month: 12% below the county. In El Dorado, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Butler County, by unit size. To pay the 2-bedroom one ($1,043 a month) without spending more than 30% of your income, you would need to earn $20.06 an hour working full time.

HUD fair market rent for all of Butler 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 $778 $14.96 $31,120
1 bedroom $823 $15.83 $32,920
2 bedrooms $1,043 $20.06 $41,720
3 bedrooms $1,382 $26.58 $55,280
4 bedrooms $1,712 $32.92 $68,480

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 El Dorado

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). El Dorado is in ZIP code 67042.

For 2 bedrooms it is $960: $83 less than the fair market rent for Butler County ($1,043).

  • 67042 $960$1,270

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for El Dorado 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 El Dorado

HUD lists 7 buildings with rents for lower incomes in El Dorado. These are the largest.

  • Gordy Square/Heritage House 200 N Gordy St, El Dorado 67042 124 homes, 123 low-income · For older adults (316) 321-0560
  • Silverwood Apts 2301 Enterprise Ave, El Dorado 67042 76 homes, 75 low-income · For families (316) 321-6745
  • Quail Ridge Apts 1305 S High St, El Dorado 67042 60 low-income homes · For families (316) 321-6020
  • Lawndale Senior Residences 1600 N Main St, El Dorado 67042 30 low-income homes · 1 bd: 30 · In service since 1995 · For older adults
  • Sandstone Homes I 540 Sunflower Dr, El Dorado 67042 24 low-income homes · Studio: 24 · In service since 2008

See all 16 buildings in Butler County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in El Dorado

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in El Dorado

No down payment, repair or rent-help program on our list is for El Dorado or Butler County. The ones below are statewide in Kansas: they work in El Dorado 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 El Dorado

The HUD-approved agencies closest to the center of El Dorado, 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 · 28 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 · 149 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 · 172 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 El Dorado

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 El Dorado

In HUD’s record, no housing authority with an office in Butler County is named for El Dorado or Butler County.

One other authority has an office in Butler County: see the list Source: HUD

Cities

Other cities in Butler County

These cities are also in Butler County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Butler County Housing in Kansas

Nearby cities

The cities closest to El Dorado, with the typical home value.

Neighboring counties

If Butler 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 El Dorado.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about El Dorado

Short answers with the numbers for El Dorado and all of Butler 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 El Dorado?

The typical home value in El Dorado is $120,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Butler County it is $217,600.

How much does it cost to rent in El Dorado?

Typical rent in El Dorado is $844 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Butler County is $1,043.

What is the FHA loan limit in El Dorado?

El Dorado uses the FHA limit for all of Butler 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 El Dorado?

The typical homeowner in El Dorado pays $2,407 a year, according to the U.S. Census Bureau. That is 2% of the home’s value; in Butler County, the rate is 1.46%.

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

We found no HUD-approved counseling agencies with an office in Butler 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).