In Paola, a typical home is worth $210,800 and typical rent is $1,091 a month. Compared with all of Miami County, the typical home value is 27% lower, typical household income is 16% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $283,530 to $376,420.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Paola is in Miami 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 Miami County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Paola is worth $210,800,27% less than in Miami County as a whole ($287,700).
2
Nearby, in Ottawa, the typical home value is $166,500: 21% less than in Paola ($210,800).
3
65% of households in Paola own their home, against 78% in Miami County.
4
The typical household income in Paola is $74,662,16% less than in Miami County as a whole ($89,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Paola
What homes there are in Paola, 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
Paola
Miami County
Kansas
United States
Kind of home: Paola and its comparisons
Measure
Paola
Miami County
Kansas
United States
Detached house
73%
84%
72%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
12%
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
Unreliable estimate
4%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Paola, but it weighs less than in Miami County: 73% against 84%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Paola
Miami County
Kansas
United States
Year built: Paola and its comparisons
Measure
Paola
Miami County
Kansas
United States
Before 1960
38%
25%
32%
26%
1960–1979
24%
18%
24%
24%
1980–1999
15%
26%
23%
25%
2000–2009
17%
21%
12%
14%
2010 or later
Unreliable estimate
10%
9%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K33%
$200K–$300K31%
$300K–$500K21%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Paola and its comparisons
Measure
Paola
Under $100K
Unreliable estimate
$100K–$200K
33%
$200K–$300K
31%
$300K–$500K
21%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49958%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Paola and its comparisons
Measure
Paola
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
58%
$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
$1,720 a month
Miami County: $1,895 a month
Without a mortgage
$705 a month
Miami County: $720 a month
Owners with a mortgage
60%
Miami County: 62%
The typical cost for an owner with a mortgage in Paola is $1,720 a month, less than in Miami County ($1,895); without one, $705.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Paola+56%
Miami County+43%
Kansas+43%
United States+53%
Typical rent
Paola+50%
Miami County+34%
Kansas+25%
United States+33%
Typical household income
Paola+46%
Miami County+24%
Kansas+25%
United States+29%
Change since 2015–2019: Paola and its comparisons
Measure
Paola
Miami County
Kansas
United States
Typical home value
+56%
+43%
+43%
+53%
Typical rent
+50%
+34%
+25%
+33%
Typical household income
+46%
+24%
+25%
+29%
The typical home value in Paola rose 56% since 2015–2019, more than in Miami County (43%).
Since 2015–2019, the typical rent in Paola rose 50%, more than in Miami County (34%).
The typical household income in Paola rose 46%: less than home values (+56%) and rent (+50%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Paola and its comparisons
Measure
Paola
Miami 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
Unreliable estimate
2.1%
3.4%
People per household
2.13
2.49
2.44
2.53
Drive alone
78%
76%
75%
69%
Carpool
11%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
14%
12%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Fewer people live in each home here: 2.13 on average, against 2.49 in Miami County.
More people carpool to work in Paola than in Miami County: 11% against 8%.
Do the math
What would you pay each month for a home in Paola?
A typical home is tight for the typical income
We start with a typical home in Paola, worth $210,800, 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 Paola, which is $74,662 a year. For that payment to be 28% of income, a household would need to earn about $78,017 a year.
The calculator's FHA and conventional loan limits are those of all of Miami 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 Paola. 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 $7,378 (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
$1,820
at 7.18% · 30 years
Loan amount
$206,982
Total interest
$297,798
Paid off in
November 2056
Includes $3,560 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,742 a month
Tight
$1,742 to $2,240 a month
Your payment · 29%
Hard
more than $2,240 a month
Compared with the typical household income in Paola ($74,662 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,402
Property tax
$237
Home insurance
$88
FHA mortgage insurance (MIP)
$93
You need at least $7,378 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 $1,820; principal and interest $1,402.
The city and its county
Paola and Miami County
Paola is in Miami 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).
Paola
Map of Miami County, Kansas, with Paola marked. Around it, the neighboring counties.
Paola
Miami County
Other cities with a page
Paola's own numbers
Typical home value
$210,800
Typical monthly rent
$1,091
Typical yearly household income
$74,662
Households that own their home
65%
Effective property tax rate
1.35%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Miami 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)
+58%
Homes in a high flood-risk zone
0.9%
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 Miami County.
A typical home in Paola is worth $210,800: 27% below the county and 3% below Kansas. With the typical household income in Paola ($74,662 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.
Paola2.8 years
Miami3.2 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Miami County
According to FHFA’s house price index, home prices in Miami County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Miami County.
Yearly change in FHFA’s price index in Miami County, 2016 to 2025
2016: +4.8% +4.8% 2016
2017: +6.2% +6.2% 2017
2018: +7.7% +7.7% 2018
2019: +3.5% +3.5% 2019
2020: +3.9% +3.9% 2020
2021: +11.8% +11.8% 2021
2022: +14.1% +14.1% 2022
2023: +8.6% +8.6% 2023
2024: +6.7% +6.7% 2024
2025: +6.7% +6.7% 2025
Change in FHFA’s price index in Miami County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+6.7%
+4.1%
+2.9%
5 years (2020–2025)
+58%
+49%
+47%
10 years (2015–2025)
+103%
+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
Paola next to Miami 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
Paola$210,800
Miami$287,700
Kansas$217,200
United States$332,700
Typical monthly rent
Paola$1,091
Miami$1,107
Kansas$1,060
United States$1,413
Typical yearly household income
Paola$74,662
Miami$89,000
Kansas$74,275
United States$80,734
See the full table
Paola next to Miami County and Kansas
Measure
Paola
Miami County
Kansas
U.S.
Typical home value
$210,800 ▼27% below the county
$287,700
$217,200
$332,700
Typical monthly rent
$1,091
$1,107
$1,060
$1,413
Typical yearly household income
$74,662 ▼16% below the county
$89,000
$74,275
$80,734
Households that own their home
65% ▼13 points below the county
78%
67%
65%
Typical yearly property tax
$2,839 ▼22% below the county
$3,643
$2,798
$3,119
Effective property tax rate
1.35% ▲0.08 points above the county
1.27%
1.29%
0.94%
Renters with high rent for their income
47% ▲2 points above the county
45%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Miami 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 Paola
For a typical $210,800 home in Paola, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Paola's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,820a month
Least cash to close
Down payment
$7,378
Cash to close
$13,702
Rate
7.18%
Mortgage insurance
FHA MIP · $93
Conventional, 5% down$1,782a month
Down payment
$10,540
Cash to close
$16,864
Rate
7.18%
Mortgage insurance
PMI · $100
Conventional, 20% down, no PMI$1,467a month
Down payment
$42,160
Cash to close
$48,484
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,662a month
Down payment
$31,620
Cash to close
$37,944
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Paola
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,820
$7,378
$206,982
7.18%
FHA MIP · $93
$13,702
580
Conventional, 5% down
$1,782
$10,540
$200,260
7.18%
PMI · $100
$16,864
620*
Conventional, 20% down, no PMI
$1,467
$42,160
$168,640
7.18%
None
$48,484
620*
ITIN, 15% down (example)
$1,662
$31,620
$179,180
8.18%
None
$37,944
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 Paola is $1,091 a month: about the same as the county. In Paola, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Miami 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 Miami 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 Paola
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Paola is in ZIP code 66071.
For 2 bedrooms it is $1,370: $176 less than the fair market rent for Miami County ($1,546).
Fair market rent by ZIP code and size in Paola, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
66071
$1,110
$1,210
$1,370
$1,790
$2,140
ZIP code2 bd3 bd
66071 $1,370$1,790
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Paola 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 9 buildings with rents for lower incomes in Paola. These are the largest.
Maple Vista307 W Shawnee St, Paola 6607190 low-income homes · Run by Paola Housing Authority · Average payment: $459 a month · Average wait: 6 months(913) 294-4731
Applewood Country Apts507 Baptiste Dr, Paola 6607148 homes, 46 low-income · In service since 1999 · For families(913) 557-0882
Paola Seniors II900 N Hospital Dr, Paola 6607142 low-income homes · 2 bd: 42 · In service since 2018
Paola Sundance Apts II1010 Industrial Park Dr, Paola 6607140 low-income homes · 1 bd: 32 · 2 bd: 8 · In service since 2003
Paola Seniors451 S Hospital Dr, Paola 6607130 low-income homes · 2 bd: 30 · In service since 2013 · 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 Miami 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 Paola or Miami County. The ones below are statewide in Kansas: they work in Paola 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 Paola or Miami 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 Paola and all of Miami 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 Paola?
The typical home value in Paola is $210,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Miami County it is $287,700.
How much does it cost to rent in Paola?
Typical rent in Paola is $1,091 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Miami County is $1,546.
What is the FHA loan limit in Paola?
Paola uses the FHA limit for all of Miami 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 Paola?
The typical homeowner in Paola pays $2,839 a year, according to the U.S. Census Bureau. That is 1.35% of the home’s value; in Miami County, the rate is 1.27%.
Where can I find free help to buy or rent in Paola?
We found no HUD-approved counseling agencies with an office in Miami County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
