In Garden City, a typical home is worth $192,000 and typical rent is $1,052 a month. Home values, rent and income are very close to those of all of Finney County.
Typical home value from Zillow, September 2021 to September 2026: from $198,532 to $233,246.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Garden City is in Finney 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 Finney County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Ulysses, the typical home value is $97,400: 49% less than in Garden City ($192,000).
2
Nearby, in Ulysses, the typical rent is $717: 32% less than in Garden City ($1,052).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Garden City fell 2%; in Kansas, it rose 3.5%.
4
Garden City has the 4th smallest share of rent-burdened renters of the 62 cities in Kansas with more than 5,000 people (31%).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Garden City
What homes there are in Garden City, 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
Garden City
Finney County
Kansas
United States
Kind of home: Garden City and its comparisons
Measure
Garden City
Finney County
Kansas
United States
Detached house
60%
61%
72%
61%
Attached house
3%
3%
5%
6%
Building of 2 to 4
15%
12%
6%
8%
Apartments (5 or more)
14%
11%
13%
19%
Mobile home
8%
13%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Garden City: 60% of homes, near the figure in Finney County (61%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Garden City
Finney County
Kansas
United States
Year built: Garden City and its comparisons
Measure
Garden City
Finney County
Kansas
United States
Before 1960
23%
21%
32%
26%
1960–1979
34%
33%
24%
24%
1980–1999
28%
30%
23%
25%
2000–2009
7%
8%
12%
14%
2010 or later
7%
7%
9%
11%
In Garden City, half of the homes were built before 1977; in Finney County, before 1978.
There are fewer big homes in Garden City than in Finney County: 58% have 3 bedrooms or more, against 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K18%
$100K–$200K36%
$200K–$300K28%
$300K–$500K16%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Garden City and its comparisons
Measure
Garden City
Under $100K
18%
$100K–$200K
36%
$200K–$300K
28%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Garden City sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5007%
$500–$99936%
$1,000–$1,49949%
HUD fair market rent, 2 bedrooms: $1,153
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Garden City and its comparisons
Measure
Garden City
Under $500
7%
$500–$999
36%
$1,000–$1,499
49%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
About 58% of rented homes in Garden City cost less than HUD's 2-bedroom fair market rent for Finney County ($1,153); the rest cost more.
With a mortgage
$1,678 a month
Finney County: $1,725 a month
Without a mortgage
$694 a month
Finney County: $648 a month
Owners with a mortgage
54%
Finney County: 53%
The typical cost for an owner with a mortgage in Garden City is $1,678 a month, near the figure in Finney County ($1,725).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Garden City+29%
Finney County+32%
Kansas+43%
United States+53%
Typical rent
Garden City+29%
Finney County+30%
Kansas+25%
United States+33%
Typical household income
Garden City+30%
Finney County+20%
Kansas+25%
United States+29%
Change since 2015–2019: Garden City and its comparisons
Measure
Garden City
Finney County
Kansas
United States
Typical home value
+29%
+32%
+43%
+53%
Typical rent
+29%
+30%
+25%
+33%
Typical household income
+30%
+20%
+25%
+29%
The typical home value in Garden City rose 29% since 2015–2019, less than in Finney County (32%).
Much as in Finney County, the typical rent in Garden City rose 29% since 2015–2019.
To compare: typical income in Garden City rose 30%; the home, +29%; the rent, +29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Garden City and its comparisons
Measure
Garden City
Finney County
Kansas
United States
Rental vacancy
Unreliable estimate
5.5%
6.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
6.2%
7.4%
2.1%
3.4%
People per household
2.73
2.82
2.44
2.53
Drive alone
80%
79%
75%
69%
Carpool
15%
15%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
3%
4%
12%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Fewer households are short on space in Garden City: 6.2% have more than one person per room; in Finney County, 7.4%.
Much as in Finney County, a household in Garden City has 2.73 people on average.
The car rules in Garden City: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Garden City?
A typical home is within reach of the typical income
We start with a typical home in Garden City, worth $192,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Garden City, which is $72,865 a year.
The calculator's FHA and conventional loan limits are those of all of Finney 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 Garden City. 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 $6,720 (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
$1,679
at 7.18% · 30 years
Loan amount
$188,522
Total interest
$271,240
Paid off in
November 2056
Includes $3,242 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,700 a month
Your payment · 28%
Tight
$1,700 to $2,186 a month
Hard
more than $2,186 a month
Compared with the typical household income in Garden City ($72,865 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,277
Property tax
$237
Home insurance
$80
FHA mortgage insurance (MIP)
$85
You need at least $6,720 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 $1,679; principal and interest $1,277.
The city and its county
Garden City and Finney County
Garden City is in Finney 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).
Garden City
Map of Finney County, Kansas, with Garden City marked. Around it, the neighboring counties.
Garden City
Finney County
Garden City's own numbers
Typical home value
$192,000
Typical monthly rent
$1,052
Typical yearly household income
$72,865
Households that own their home
60%
Effective property tax rate
1.48%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Finney County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,153
Price change over 5 years (FHFA)
+39%
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 Finney County.
A typical home in Garden City is worth $192,000: 5% below the county and 12% below Kansas. With the typical household income in Garden City ($72,865 a year), a typical home costs 2.6 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.
Garden City2.6 years
Finney2.8 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Finney County
According to FHFA’s house price index, home prices in Finney County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Finney County.
Yearly change in FHFA’s price index in Finney County, 2016 to 2025
2016: +6.7% +6.7% 2016
2017: +2.3% +2.3% 2017
2018: +4.0% +4.0% 2018
2019: +3.7% +3.7% 2019
2020: +3.0% +3.0% 2020
2021: +9.1% +9.1% 2021
2022: +14.8% +14.8% 2022
2023: +4.3% +4.3% 2023
2024: +2.1% +2.1% 2024
2025: +4.5% +4.5% 2025
Change in FHFA’s price index in Finney County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+4.5%
+4.1%
+2.9%
5 years (2020–2025)
+39%
+49%
+47%
10 years (2015–2025)
+69%
+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
Garden City next to Finney 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
Garden City$192,000
Finney$201,400
Kansas$217,200
United States$332,700
Typical monthly rent
Garden City$1,052
Finney$1,048
Kansas$1,060
United States$1,413
Typical yearly household income
Garden City$72,865
Finney$73,009
Kansas$74,275
United States$80,734
See the full table
Garden City next to Finney County and Kansas
Measure
Garden City
Finney County
Kansas
U.S.
Typical home value
$192,000 ▼5% below the county
$201,400
$217,200
$332,700
Typical monthly rent
$1,052
$1,048
$1,060
$1,413
Typical yearly household income
$72,865
$73,009
$74,275
$80,734
Households that own their home
60% ▼5 points below the county
65%
67%
65%
Typical yearly property tax
$2,846
$2,900
$2,798
$3,119
Effective property tax rate
1.48% ▲0.04 points above the county
1.44%
1.29%
0.94%
Renters with high rent for their income
31% ▼2 points below the county
33%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Finney 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 Garden City
For a typical $192,000 home in Garden City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garden City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,679a month
Least cash to close
Down payment
$6,720
Cash to close
$12,480
Rate
7.18%
Mortgage insurance
FHA MIP · $85
Conventional, 5% down$1,644a month
Down payment
$9,600
Cash to close
$15,360
Rate
7.18%
Mortgage insurance
PMI · $91
Conventional, 20% down, no PMI$1,357a month
Down payment
$38,400
Cash to close
$44,160
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,535a month
Down payment
$28,800
Cash to close
$34,560
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Garden City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,679
$6,720
$188,522
7.18%
FHA MIP · $85
$12,480
580
Conventional, 5% down
$1,644
$9,600
$182,400
7.18%
PMI · $91
$15,360
620*
Conventional, 20% down, no PMI
$1,357
$38,400
$153,600
7.18%
None
$44,160
620*
ITIN, 15% down (example)
$1,535
$28,800
$163,200
8.18%
None
$34,560
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 Garden City is $1,052 a month: about the same as the county. In Garden City, 31% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Finney County, by unit size. To pay the 2-bedroom one ($1,153 a month) without spending more than 30% of your income, you would need to earn $22.17 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 Finney County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$872
$16.77
$34,880
1 bedroom
$881
$16.94
$35,240
2 bedrooms
$1,153
$22.17
$46,120
3 bedrooms
$1,584
$30.46
$63,360
4 bedrooms
$1,919
$36.90
$76,760
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 Garden City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garden City is in ZIP code 67846.
For 2 bedrooms it is $1,150: $3 less than the fair market rent for Finney County ($1,153).
Fair market rent by ZIP code and size in Garden City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
67846
$870
$880
$1,150
$1,580
$1,910
ZIP code2 bd3 bd
67846 $1,150$1,580
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Garden City 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 10 buildings with rents for lower incomes in Garden City. These are the largest.
Southlawn Estates1916 E Zipper St, Garden City 67846115 homes, 104 low-income · For people with disabilities(620) 275-7521
Pershing Manor & Redwood Place606 Pershing Ave, Garden City 67846100 homes, 98 low-income · Run by Garden City Housing Authority · Average payment: $414 a month · Average wait: 24 months(620) 276-1240
Mira Vista1406 Harding Ave, Garden City 6784640 homes, 39 low-income · For older adults(620) 271-0551
Southwest Kansas Family Housing207 Leawood Ave, Garden City 6784632 low-income homes · 2 bd: 16 · 3 bd: 16 · In service since 2020 · For families
The Reserves at Prairie Ridge II3201 N Campus Dr, Garden City 6784632 low-income homes · 2 bd: 16 · 3 bd: 16 · In service since 2014
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 Finney 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 Garden City or Finney County. The ones below are statewide in Kansas: they work in Garden City 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 Garden City or Finney 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 Garden City and all of Finney 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 Garden City?
The typical home value in Garden City is $192,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Finney County it is $201,400.
How much does it cost to rent in Garden City?
Typical rent in Garden City is $1,052 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Finney County is $1,153.
What is the FHA loan limit in Garden City?
Garden City uses the FHA limit for all of Finney 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 Garden City?
The typical homeowner in Garden City pays $2,846 a year, according to the U.S. Census Bureau. That is 1.48% of the home’s value; in Finney County, the rate is 1.44%.
Where can I find free help to buy or rent in Garden City?
We found no HUD-approved counseling agencies with an office in Finney County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
