In Ottawa, a typical home is worth $166,500 and typical rent is $1,032 a month. Compared with all of Franklin County, the typical home value is 16% lower, typical household income is 7% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $170,290 to $240,052.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ottawa is in Franklin 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 Franklin 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 Ottawa rose 7.1%; in Kansas, it rose 3.5%.
2
60% of households in Ottawa own their home, against 72% in Franklin County.
3
The typical home in Ottawa is worth $166,500,16% less than in Franklin County as a whole ($198,700).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Ottawa
What homes there are in Ottawa, 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
Ottawa
Franklin County
Kansas
United States
Kind of home: Ottawa and its comparisons
Measure
Ottawa
Franklin County
Kansas
United States
Detached house
67%
75%
72%
61%
Attached house
Unreliable estimate
Unreliable estimate
5%
6%
Building of 2 to 4
12%
7%
6%
8%
Apartments (5 or more)
10%
6%
13%
19%
Mobile home
8%
10%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Ottawa, but it weighs less than in Franklin County: 67% against 75%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Ottawa
Franklin County
Kansas
United States
Year built: Ottawa and its comparisons
Measure
Ottawa
Franklin County
Kansas
United States
Before 1960
39%
33%
32%
26%
1960–1979
23%
23%
24%
24%
1980–1999
23%
25%
23%
25%
2000–2009
10%
13%
12%
14%
2010 or later
5%
6%
9%
11%
The typical home in Ottawa was built in 1967, 8 years before the typical one in Franklin 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 $100K16%
$100K–$200K47%
$200K–$300K23%
$300K–$500K13%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ottawa and its comparisons
Measure
Ottawa
Under $100K
16%
$100K–$200K
47%
$200K–$300K
23%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Ottawa sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99941%
$1,000–$1,49950%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ottawa and its comparisons
Measure
Ottawa
Under $500
Unreliable estimate
$500–$999
41%
$1,000–$1,499
50%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,583 a month
Franklin County: $1,669 a month
Without a mortgage
$657 a month
Franklin County: $655 a month
Owners with a mortgage
64%
Franklin County: 60%
Owning costs less in Ottawa: with a mortgage, the typical cost is $1,583 a month; in Franklin County, $1,669. Without one, $657.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ottawa+53%
Franklin County+55%
Kansas+43%
United States+53%
Typical rent
Ottawa+30%
Franklin County+31%
Kansas+25%
United States+33%
Typical household income
Ottawa+53%
Franklin County+37%
Kansas+25%
United States+29%
Change since 2015–2019: Ottawa and its comparisons
Measure
Ottawa
Franklin County
Kansas
United States
Typical home value
+53%
+55%
+43%
+53%
Typical rent
+30%
+31%
+25%
+33%
Typical household income
+53%
+37%
+25%
+29%
From 2015–2019 to 2020–2024, home values in Ottawa rose at about the same pace as in Franklin County: 53% against 55%.
The typical rent in Ottawa rose 30% since 2015–2019, about the same as in Franklin County (31%).
While home values in Ottawa changed +53% and rent +30%, the typical household income rose 53%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ottawa and its comparisons
Measure
Ottawa
Franklin County
Kansas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.5%
2.1%
3.4%
People per household
2.32
2.45
2.44
2.53
Drive alone
75%
76%
75%
69%
Carpool
9%
9%
9%
9%
Public transit
0%
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
10%
10%
12%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Households in Ottawa are smaller: 2.32 people on average; in Franklin County, 2.45.
In Ottawa, 75% of workers drive alone to work; in Franklin County, 76%.
Do the math
What would you pay each month for a home in Ottawa?
A typical home is within reach of the typical income
We start with a typical home in Ottawa, worth $166,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Ottawa, which is $71,699 a year.
The calculator's FHA and conventional loan limits are those of all of Franklin 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 Ottawa. 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 $5,828 (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
$1,502
at 7.18% · 30 years
Loan amount
$163,484
Total interest
$235,215
Paid off in
November 2056
Includes $2,812 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,673 a month
Your payment · 25%
Tight
$1,673 to $2,151 a month
Hard
more than $2,151 a month
Compared with the typical household income in Ottawa ($71,699 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,107
Property tax
$251
Home insurance
$69
FHA mortgage insurance (MIP)
$74
You need at least $5,828 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 $1,502; principal and interest $1,107.
The city and its county
Ottawa and Franklin County
Ottawa is in Franklin 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).
Ottawa
Map of Franklin County, Kansas, with Ottawa marked. Around it, the neighboring counties.
Ottawa
Franklin County
Ottawa's own numbers
Typical home value
$166,500
Typical monthly rent
$1,032
Typical yearly household income
$71,699
Households that own their home
60%
Effective property tax rate
1.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Franklin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,179
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.6%
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 Franklin County.
A typical home in Ottawa is worth $166,500: 16% below the county and 23% below Kansas. With the typical household income in Ottawa ($71,699 a year), a typical home costs 2.3 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.
Ottawa2.3 years
Franklin2.6 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Franklin County
According to FHFA’s house price index, home prices in Franklin County rose 104% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Franklin County.
Yearly change in FHFA’s price index in Franklin County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +7.2% +7.2% 2017
2018: +7.5% +7.5% 2018
2019: +6.8% +6.8% 2019
2020: +3.2% +3.2% 2020
2021: +12.8% +12.8% 2021
2022: +14.6% +14.6% 2022
2023: +7.4% +7.4% 2023
2024: +6.9% +6.9% 2024
2025: +3.9% +3.9% 2025
Change in FHFA’s price index in Franklin County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+3.9%
+4.1%
+2.9%
5 years (2020–2025)
+54%
+49%
+47%
10 years (2015–2025)
+104%
+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
Ottawa next to Franklin 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
Ottawa$166,500
Franklin$198,700
Kansas$217,200
United States$332,700
Typical monthly rent
Ottawa$1,032
Franklin$1,042
Kansas$1,060
United States$1,413
Typical yearly household income
Ottawa$71,699
Franklin$77,207
Kansas$74,275
United States$80,734
See the full table
Ottawa next to Franklin County and Kansas
Measure
Ottawa
Franklin County
Kansas
U.S.
Typical home value
$166,500 ▼16% below the county
$198,700
$217,200
$332,700
Typical monthly rent
$1,032
$1,042
$1,060
$1,413
Typical yearly household income
$71,699 ▼7% below the county
$77,207
$74,275
$80,734
Households that own their home
60% ▼12 points below the county
72%
67%
65%
Typical yearly property tax
$3,010 ▲7% above the county
$2,810
$2,798
$3,119
Effective property tax rate
1.81% ▲0.4 points above the county
1.41%
1.29%
0.94%
Renters with high rent for their income
42%
42%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Franklin 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 Ottawa
For a typical $166,500 home in Ottawa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ottawa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,502a month
Least cash to close
Down payment
$5,828
Cash to close
$10,823
Rate
7.18%
Mortgage insurance
FHA MIP · $74
Conventional, 5% down$1,471a month
Down payment
$8,325
Cash to close
$13,320
Rate
7.18%
Mortgage insurance
PMI · $79
Conventional, 20% down, no PMI$1,223a month
Down payment
$33,300
Cash to close
$38,295
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,377a month
Down payment
$24,975
Cash to close
$29,970
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ottawa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,502
$5,828
$163,484
7.18%
FHA MIP · $74
$10,823
580
Conventional, 5% down
$1,471
$8,325
$158,175
7.18%
PMI · $79
$13,320
620*
Conventional, 20% down, no PMI
$1,223
$33,300
$133,200
7.18%
None
$38,295
620*
ITIN, 15% down (example)
$1,377
$24,975
$141,525
8.18%
None
$29,970
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 Ottawa is $1,032 a month: about the same as the county. In Ottawa, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,179 a month) without spending more than 30% of your income, you would need to earn $22.67 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 Franklin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$895
$17.21
$35,800
1 bedroom
$901
$17.33
$36,040
2 bedrooms
$1,179
$22.67
$47,160
3 bedrooms
$1,405
$27.02
$56,200
4 bedrooms
$1,550
$29.81
$62,000
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 Ottawa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ottawa is in ZIP code 66067.
For 2 bedrooms it is $1,160: $19 less than the fair market rent for Franklin County ($1,179).
Fair market rent by ZIP code and size in Ottawa, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
66067
$880
$890
$1,160
$1,380
$1,520
ZIP code2 bd3 bd
66067 $1,160$1,380
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ottawa 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 Franklin 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 Ottawa or Franklin County. The ones below are statewide in Kansas: they work in Ottawa 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 Ottawa or Franklin 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 Ottawa and all of Franklin 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 Ottawa?
The typical home value in Ottawa is $166,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $198,700.
How much does it cost to rent in Ottawa?
Typical rent in Ottawa is $1,032 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,179.
What is the FHA loan limit in Ottawa?
Ottawa uses the FHA limit for all of Franklin 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 Ottawa?
The typical homeowner in Ottawa pays $3,010 a year, according to the U.S. Census Bureau. That is 1.81% of the home’s value; in Franklin County, the rate is 1.41%.
Where can I find free help to buy or rent in Ottawa?
We found no HUD-approved counseling agencies with an office in Franklin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
