In Junction City, a typical home is worth $171,500 and typical rent is $1,024 a month. Compared with all of Geary County, typical rent is 7% lower and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $168,472 to $200,051.
Typical rent
$1,132a month
▲ 1.4% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $877 to $1,132.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Junction City is in Geary 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 Geary 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 Junction City fell 3.1%; in Kansas, it rose 3.5%.
2
Nearby, in Abilene, the typical home value is $131,500: 23% less than in Junction City ($171,500).
3
Nearby, in Emporia, the typical rent is $815: 20% less than in Junction City ($1,024).
4
50% of households in Junction City own their home, against 44% in Geary County.
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Junction City
What homes there are in Junction 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
Junction City
Geary County
Kansas
United States
Kind of home: Junction City and its comparisons
Measure
Junction City
Geary County
Kansas
United States
Detached house
58%
50%
72%
61%
Attached house
7%
15%
5%
6%
Building of 2 to 4
13%
13%
6%
8%
Apartments (5 or more)
17%
17%
13%
19%
Mobile home
4%
6%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 58% of homes here, against 50% in Geary County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Junction City
Geary County
Kansas
United States
Year built: Junction City and its comparisons
Measure
Junction City
Geary County
Kansas
United States
Before 1960
26%
23%
32%
26%
1960–1979
23%
19%
24%
24%
1980–1999
19%
19%
23%
25%
2000–2009
19%
20%
12%
14%
2010 or later
13%
19%
9%
11%
Homes in Junction City are older: the typical year built is 1981; in Geary County, 1987.
In Junction City, 59% of homes have 3 bedrooms or more, about the same as in Geary County.
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 $100K21%
$100K–$200K40%
$200K–$300K26%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Junction City and its comparisons
Measure
Junction City
Under $100K
21%
$100K–$200K
40%
$200K–$300K
26%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Junction City sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99945%
$1,000–$1,49941%
$1,500–$1,9997%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Junction City and its comparisons
Measure
Junction City
Under $500
Unreliable estimate
$500–$999
45%
$1,000–$1,499
41%
$1,500–$1,999
7%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,656 a month
Geary County: $1,664 a month
Without a mortgage
$619 a month
Geary County: $592 a month
Owners with a mortgage
65%
Geary County: 62%
Owning costs about the same in Junction City as in Geary County: with a mortgage, $1,656 a month; without one, $619.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Junction City+20%
Geary County+16%
Kansas+43%
United States+53%
Typical rent
Junction City+8%
Geary County+4%
Kansas+25%
United States+33%
Typical household income
Junction CityNo clear change
Geary County+12%
Kansas+25%
United States+29%
Change since 2015–2019: Junction City and its comparisons
Measure
Junction City
Geary County
Kansas
United States
Typical home value
+20%
+16%
+43%
+53%
Typical rent
+8%
+4%
+25%
+33%
Typical household income
No clear change
+12%
+25%
+29%
The typical home value in Junction City rose 20% since 2015–2019, more than in Geary County (16%).
Rents in Junction City rose faster than in Geary County: 8% since 2015–2019, against 4%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Junction City and its comparisons
Measure
Junction City
Geary County
Kansas
United States
Rental vacancy
Unreliable estimate
6.0%
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
2.32
2.46
2.44
2.53
Drive alone
80%
76%
75%
69%
Carpool
9%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
2%
6%
3%
3%
Work from home
6%
6%
12%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Households in Junction City are smaller: 2.32 people on average; in Geary County, 2.46.
The car rules in Junction 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 Junction City?
A typical home is tight for the typical income
We start with a typical home in Junction City, worth $171,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Junction City, which is $61,181 a year. For that payment to be 28% of income, a household would need to earn about $64,452 a year.
The calculator's FHA and conventional loan limits are those of all of Geary 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 Junction 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 $6,003 (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
$1,504
at 7.18% · 30 years
Loan amount
$168,393
Total interest
$242,278
Paid off in
November 2056
Includes $2,896 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,428 a month
Tight
$1,428 to $1,835 a month
Your payment · 29%
Hard
more than $1,835 a month
Compared with the typical household income in Junction City ($61,181 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,141
Property tax
$216
Home insurance
$72
FHA mortgage insurance (MIP)
$76
You need at least $6,003 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 $1,504; principal and interest $1,141.
The city and its county
Junction City and Geary County
Junction City is in Geary 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).
Junction City
Map of Geary County, Kansas, with Junction City marked. Around it, the neighboring counties.
Junction City
Geary County
Other cities with a page
Junction City's own numbers
Typical home value
$171,500
Typical monthly rent
$1,024
Typical yearly household income
$61,181
Households that own their home
50%
Effective property tax rate
1.51%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Geary County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,096
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
3.5%
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 Geary County.
A typical home in Junction City is worth $171,500: about the same as the county and 21% below Kansas. With the typical household income in Junction City ($61,181 a year), a typical home costs 2.8 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.
Junction City2.8 years
Geary2.9 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Geary County
According to FHFA’s house price index, home prices in Geary County rose 44% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Geary County.
Yearly change in FHFA’s price index in Geary County, 2016 to 2025
2016: +0.4% +0.4% 2016
2017: −2.8% −2.8% 2017
2018: −1.5% −1.5% 2018
2019: +4.2% +4.2% 2019
2020: +4.3% +4.3% 2020
2021: +8.2% +8.2% 2021
2022: +11.1% +11.1% 2022
2023: +7.9% +7.9% 2023
2024: +6.2% +6.2% 2024
2025: +0.3% +0.3% 2025
Change in FHFA’s price index in Geary County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+0.3%
+4.1%
+2.9%
5 years (2020–2025)
+38%
+49%
+47%
10 years (2015–2025)
+44%
+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
Junction City next to Geary 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
Junction City$171,500
Geary$172,700
Kansas$217,200
United States$332,700
Typical monthly rent
Junction City$1,024
Geary$1,104
Kansas$1,060
United States$1,413
Typical yearly household income
Junction City$61,181
Geary$59,317
Kansas$74,275
United States$80,734
See the full table
Junction City next to Geary County and Kansas
Measure
Junction City
Geary County
Kansas
U.S.
Typical home value
$171,500
$172,700
$217,200
$332,700
Typical monthly rent
$1,024 ▼7% below the county
$1,104
$1,060
$1,413
Typical yearly household income
$61,181 ▲3% above the county
$59,317
$74,275
$80,734
Households that own their home
50% ▲7 points above the county
44%
67%
65%
Typical yearly property tax
$2,586 ▲4% above the county
$2,496
$2,798
$3,119
Effective property tax rate
1.51% ▲0.06 points above the county
1.45%
1.29%
0.94%
Renters with high rent for their income
37% ▼4 points below the county
41%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Geary 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 Junction City
For a typical $171,500 home in Junction City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Junction City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,504a month
Least cash to close
Down payment
$6,003
Cash to close
$11,148
Rate
7.18%
Mortgage insurance
FHA MIP · $76
Conventional, 5% down$1,472a month
Down payment
$8,575
Cash to close
$13,720
Rate
7.18%
Mortgage insurance
PMI · $81
Conventional, 20% down, no PMI$1,217a month
Down payment
$34,300
Cash to close
$39,445
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,375a month
Down payment
$25,725
Cash to close
$30,870
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Junction City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,504
$6,003
$168,394
7.18%
FHA MIP · $76
$11,148
580
Conventional, 5% down
$1,472
$8,575
$162,925
7.18%
PMI · $81
$13,720
620*
Conventional, 20% down, no PMI
$1,217
$34,300
$137,200
7.18%
None
$39,445
620*
ITIN, 15% down (example)
$1,375
$25,725
$145,775
8.18%
None
$30,870
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 Junction City is $1,024 a month: 7% below the county. In Junction City, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Geary County, by unit size. To pay the 2-bedroom one ($1,096 a month) without spending more than 30% of your income, you would need to earn $21.08 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 Geary County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$862
$16.58
$34,480
1 bedroom
$945
$18.17
$37,800
2 bedrooms
$1,096
$21.08
$43,840
3 bedrooms
$1,518
$29.19
$60,720
4 bedrooms
$1,832
$35.23
$73,280
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 Junction City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Junction City is in ZIP code 66441.
For 2 bedrooms it is $1,130: $34 more than the fair market rent for Geary County ($1,096).
Fair market rent by ZIP code and size in Junction City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
66441
$890
$970
$1,130
$1,560
$1,880
ZIP code2 bd3 bd
66441 $1,130$1,560
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Junction 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 8 buildings with rents for lower incomes in Junction City. These are the largest.
Junction City Housing1202 Country Club Ln, Junction City 66441118 low-income homes · Run by Junction City Housing Authority · Average payment: $384 a month · Average wait: 19 months · Homes at several sites(785) 238-5882
Green Park Apartments1435 N Calhoun St, Junction City 66441100 low-income homes · For families(785) 238-2003
Green Park Apts1439 N Calhoun St, Junction City 66441100 low-income homes · 1 bd: 12 · 2 bd: 44 · 3 bd: 44 · In service since 1995
Bicentennial Manor1010 W 8th St, Junction City 6644160 low-income homes · 1 bd: 60 · In service since 1991 · For older adults(785) 762-2058
Bartell House Senior Residences600 N Washington St, Junction City 6644132 low-income homes · 1 bd: 24 · 2 bd: 8 · In service since 2007 · For older adults
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 Geary 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 Junction City or Geary County. The ones below are statewide in Kansas: they work in Junction 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).
The HUD-approved agencies closest to the center of Junction City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Junction City or Geary 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 Junction City and all of Geary 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 Junction City?
The typical home value in Junction City is $171,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Geary County it is $172,700.
How much does it cost to rent in Junction City?
Typical rent in Junction City is $1,024 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Geary County is $1,096.
What is the FHA loan limit in Junction City?
Junction City uses the FHA limit for all of Geary 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 Junction City?
The typical homeowner in Junction City pays $2,586 a year, according to the U.S. Census Bureau. That is 1.51% of the home’s value; in Geary County, the rate is 1.45%.
Where can I find free help to buy or rent in Junction City?
We found no HUD-approved counseling agencies with an office in Geary County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
