City · 155,135 residents · Wyandotte County, Kansas
Kansas City, Kansas
In Kansas City, a typical home is worth $167,400 and typical rent is $1,123 a month. Home values, rent and income are very close to those of all of Wyandotte County.
Typical home value from Zillow, September 2021 to September 2026: from $150,746 to $199,779.
Typical rent
$1,322a month
▲ 5.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $978 to $1,322.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kansas City is in Wyandotte 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 Wyandotte County. See the county
What homes there are in Kansas 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
Kansas City
Wyandotte County
Kansas
United States
Kind of home: Kansas City and its comparisons
Measure
Kansas City
Wyandotte County
Kansas
United States
Detached house
69%
69%
72%
61%
Attached house
9%
9%
5%
6%
Building of 2 to 4
5%
5%
6%
8%
Apartments (5 or more)
15%
15%
13%
19%
Mobile home
2%
3%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Kansas City, 7 in 10 homes are single-family detached houses, about the same as in Wyandotte County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kansas City
Wyandotte County
Kansas
United States
Year built: Kansas City and its comparisons
Measure
Kansas City
Wyandotte County
Kansas
United States
Before 1960
48%
47%
32%
26%
1960–1979
28%
27%
24%
24%
1980–1999
11%
12%
23%
25%
2000–2009
7%
7%
12%
14%
2010 or later
6%
7%
9%
11%
The typical year built in Kansas City is 1961, about the same as in Wyandotte County (1962).
In Kansas City, 58% of homes have 3 bedrooms or more, about the same as in Wyandotte 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 $100K24%
$100K–$200K38%
$200K–$300K24%
$300K–$500K11%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Kansas City and its comparisons
Measure
Kansas City
Under $100K
24%
$100K–$200K
38%
$200K–$300K
24%
$300K–$500K
11%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 97% of owner-occupied homes in Kansas City are worth less than the FHA loan limit for Wyandotte County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50010%
$500–$99928%
$1,000–$1,49941%
$1,500–$1,99915%
HUD fair market rent, 2 bedrooms: $1,546
$2,000–$2,4994%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kansas City and its comparisons
Measure
Kansas City
Under $500
10%
$500–$999
28%
$1,000–$1,499
41%
$1,500–$1,999
15%
$2,000–$2,499
4%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
By rent, most homes in Kansas City cost less than HUD's 2-bedroom fair market rent ($1,546): about 81%.
With a mortgage
$1,533 a month
Wyandotte County: $1,568 a month
Without a mortgage
$641 a month
Wyandotte County: $651 a month
Owners with a mortgage
53%
Wyandotte County: 54%
In Kansas City, 53% of owners have a mortgage; their typical cost is $1,533 a month, about the same as in Wyandotte County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kansas City+75%
Wyandotte County+72%
Kansas+43%
United States+53%
Typical rent
Kansas City+27%
Wyandotte County+27%
Kansas+25%
United States+33%
Typical household income
Kansas City+37%
Wyandotte County+36%
Kansas+25%
United States+29%
Change since 2015–2019: Kansas City and its comparisons
Measure
Kansas City
Wyandotte County
Kansas
United States
Typical home value
+75%
+72%
+43%
+53%
Typical rent
+27%
+27%
+25%
+33%
Typical household income
+37%
+36%
+25%
+29%
Since 2015–2019, homes in Kansas City gained value faster than in Wyandotte County: 75% against 72%.
Rents in Kansas City rose at about the same pace as in Wyandotte County: 27% since 2015–2019, against 27%.
The typical household income in Kansas City rose 37% over that time; home values changed +75% and rent +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kansas City and its comparisons
Measure
Kansas City
Wyandotte County
Kansas
United States
Rental vacancy
5.2%
5.0%
6.2%
5.5%
Homeowner vacancy
1.2%
1.1%
0.9%
0.9%
More than one person per room
5.0%
4.9%
2.1%
3.4%
People per household
2.70
2.70
2.44
2.53
Drive alone
74%
74%
75%
69%
Carpool
13%
12%
9%
9%
Public transit
1%
1%
0%
3%
Walk or bike
2%
2%
3%
3%
Work from home
9%
9%
12%
15%
Other means
1%
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
Open rentals in Kansas City look like those in Wyandotte County: the rental vacancy rate is 5.2%.
Much as in Wyandotte County, 5.0% of households in Kansas City have more than one person per room.
By size, households in Kansas City look like those in Wyandotte County: 2.70 people on average.
In Kansas City, 74% of workers drive alone to work; in Wyandotte County, 74%.
Do the math
What would you pay each month for a home in Kansas City?
A typical home is tight for the typical income
We start with a typical home in Kansas City, worth $167,400, 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 Kansas City, which is $62,401 a year. For that payment to be 28% of income, a household would need to earn about $62,492 a year.
The calculator's FHA and conventional loan limits are those of all of Wyandotte 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 Kansas 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 $5,859 (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
$1,458
at 7.18% · 30 years
Loan amount
$164,368
Total interest
$236,487
Paid off in
November 2056
Includes $2,827 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,456 a month
Tight
$1,456 to $1,872 a month
Your payment · 28%
Hard
more than $1,872 a month
Compared with the typical household income in Kansas City ($62,401 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,113
Property tax
$201
Home insurance
$70
FHA mortgage insurance (MIP)
$74
You need at least $5,859 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 $1,458; principal and interest $1,113.
The city and its county
Kansas City and Wyandotte County
Kansas City is in Wyandotte 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).
Kansas City
Map of Wyandotte County, Kansas, with Kansas City marked. Around it, the neighboring counties.
Kansas City
Wyandotte County
Other cities with a page
Kansas City's own numbers
Typical home value
$167,400
Typical monthly rent
$1,123
Typical yearly household income
$62,401
Households that own their home
61%
Effective property tax rate
1.44%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Wyandotte 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)
+61%
Homes in a high flood-risk zone
0.3%
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 Wyandotte County.
A typical home in Kansas City is worth $167,400: 3% below the county and 23% below Kansas. With the typical household income in Kansas City ($62,401 a year), a typical home costs 2.7 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.
Kansas City2.7 years
Wyandotte2.7 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Wyandotte County
According to FHFA’s house price index, home prices in Wyandotte County rose 129% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Wyandotte County.
Yearly change in FHFA’s price index in Wyandotte County, 2016 to 2025
2016: +5.6% +5.6% 2016
2017: +7.5% +7.5% 2017
2018: +9.4% +9.4% 2018
2019: +5.7% +5.7% 2019
2020: +7.9% +7.9% 2020
2021: +14.3% +14.3% 2021
2022: +16.5% +16.5% 2022
2023: +8.6% +8.6% 2023
2024: +7.2% +7.2% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Wyandotte County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+4.1%
+4.1%
+2.9%
5 years (2020–2025)
+61%
+49%
+47%
10 years (2015–2025)
+129%
+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
Kansas City next to Wyandotte 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
Kansas City$167,400
Wyandotte$172,300
Kansas$217,200
United States$332,700
Typical monthly rent
Kansas City$1,123
Wyandotte$1,122
Kansas$1,060
United States$1,413
Typical yearly household income
Kansas City$62,401
Wyandotte$63,631
Kansas$74,275
United States$80,734
See the full table
Kansas City next to Wyandotte County and Kansas
Measure
Kansas City
Wyandotte County
Kansas
U.S.
Typical home value
$167,400 ▼3% below the county
$172,300
$217,200
$332,700
Typical monthly rent
$1,123
$1,122
$1,060
$1,413
Typical yearly household income
$62,401
$63,631
$74,275
$80,734
Households that own their home
61% ▼1 points below the county
62%
67%
65%
Typical yearly property tax
$2,405 ▼4% below the county
$2,509
$2,798
$3,119
Effective property tax rate
1.44% ▼0.02 points below the county
1.46%
1.29%
0.94%
Renters with high rent for their income
47%
47%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wyandotte 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 Kansas City
For a typical $167,400 home in Kansas City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kansas City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,458a month
Least cash to close
Down payment
$5,859
Cash to close
$10,881
Rate
7.18%
Mortgage insurance
FHA MIP · $74
Conventional, 5% down$1,427a month
Down payment
$8,370
Cash to close
$13,392
Rate
7.18%
Mortgage insurance
PMI · $80
Conventional, 20% down, no PMI$1,178a month
Down payment
$33,480
Cash to close
$38,502
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,333a month
Down payment
$25,110
Cash to close
$30,132
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kansas City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,458
$5,859
$164,368
7.18%
FHA MIP · $74
$10,881
580
Conventional, 5% down
$1,427
$8,370
$159,030
7.18%
PMI · $80
$13,392
620*
Conventional, 20% down, no PMI
$1,178
$33,480
$133,920
7.18%
None
$38,502
620*
ITIN, 15% down (example)
$1,333
$25,110
$142,290
8.18%
None
$30,132
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 Kansas City is $1,123 a month: about the same as the county. In Kansas City, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Wyandotte 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 Wyandotte 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 Kansas City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kansas City has 12 ZIP codes with their own.
For 2 bedrooms it runs from $1,120 in 66105 to $2,100 in 66109.
1 of the 12 is above the fair market rent for Wyandotte County ($1,546).
2-bedroom fair market rent in each of the 12 ZIP codes of Kansas City, beside the one for Wyandotte County. For 2 bedrooms it runs from $1,120 in 66105 to $2,100 in 66109. 1 of the 12 is above the fair market rent for Wyandotte County ($1,546).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,546
Lowest: $1,120 (66105)Highest: $2,100 (66109)
Fair market rent by ZIP code and size in Kansas City, fiscal year 2027.
66101
$950
$1,030
$1,170
$1,530
$1,830
66102
$1,080
$1,180
$1,330
$1,740
$2,080
66103
$1,240
$1,340
$1,520
$1,990
$2,380
66104
$1,130
$1,230
$1,390
$1,820
$2,180
66105
$910
$990
$1,120
$1,460
$1,750
66106
$1,060
$1,150
$1,300
$1,700
$2,030
66109
$1,710
$1,860
$2,100
$2,740
$3,290
66111
$1,110
$1,200
$1,360
$1,780
$2,130
66112
$1,170
$1,270
$1,440
$1,880
$2,250
66115
$1,150
$1,250
$1,420
$1,860
$2,220
66118
$1,150
$1,250
$1,420
$1,860
$2,220
66160
$1,240
$1,340
$1,520
$1,990
$2,380
ZIP code2 bd3 bd
66101 $1,170$1,530
66102 $1,330$1,740
66103 $1,520$1,990
66104 $1,390$1,820
66105 $1,120$1,460
66106 $1,300$1,700
66109 $2,100$2,740
66111 $1,360$1,780
66112 $1,440$1,880
66115 $1,420$1,860
66118 $1,420$1,860
66160 $1,520$1,990
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kansas 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 48 buildings with rents for lower incomes in Kansas City. These are the largest.
East Highrise1131 Central Ave, Kansas City 66102484 low-income homes · Run by Kansas City, KS Housing Authority · Average payment: $328 a month · Average wait: 11 months(913) 281-3300
West Highrise6100 Leavenworth Rd, Kansas City 66104378 homes, 377 low-income · Run by Kansas City, KS Housing Authority · Average payment: $351 a month · Average wait: 9 months(913) 281-3300
Wyandotte Towers915 Washington Blvd, Kansas City 66101302 homes, 300 low-income · Run by Kansas City, KS Housing Authority · Average payment: $238 a month · Average wait: 10 months(913) 281-3300
Family North301 S Mill St, Kansas City 66101230 homes, 227 low-income · Run by Kansas City, KS Housing Authority · Average payment: $402 a month · Average wait: 16 months(913) 281-3300
Family South1702 S 37th Ct, Kansas City 66106225 homes, 221 low-income · Run by Kansas City, KS Housing Authority · Average payment: $399 a month · Average wait: 21 months · Homes at several sites(913) 281-3300
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.
There is 1 HUD-approved agency with an office in Wyandotte County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Kansas City or Wyandotte County. The ones below are statewide in Kansas: they work in Kansas 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 Kansas City or Wyandotte 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 Kansas City and all of Wyandotte 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 Kansas City?
The typical home value in Kansas City is $167,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wyandotte County it is $172,300.
How much does it cost to rent in Kansas City?
Typical rent in Kansas City is $1,123 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wyandotte County is $1,546.
What is the FHA loan limit in Kansas City?
Kansas City uses the FHA limit for all of Wyandotte 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 Kansas City?
The typical homeowner in Kansas City pays $2,405 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Wyandotte County, the rate is 1.46%.
Where can I find free help to buy or rent in Kansas City?
There is 1 HUD-approved counseling agency with an office in Wyandotte County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
