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City · 5,891 residents · Leavenworth County, Kansas

Tonganoxie , Kansas

In Tonganoxie, a typical home is worth $261,700 and typical rent is $1,224 a month. Compared with all of Leavenworth County, typical household income is 10% lower and the typical home value is 7% lower.

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  • Typical home value

    $261,700

    7% below the county

    20% above Kansas

    • Tonganoxie
    • Leavenworth
    • Kansas

  • Typical rent

    $1,224a month

    About the same as the county

    15% above Kansas

    • Tonganoxie
    • Leavenworth
    • Kansas

  • Typical household income

    $80,109a year

    10% below the county

    8% above Kansas

    • Tonganoxie
    • Leavenworth
    • Kansas

  • Households that own their home

    68%

    1 points below the county

    1 points above Kansas

    • Tonganoxie
    • Leavenworth
    • Kansas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$378,552
4.5% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Tonganoxie is in Leavenworth 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 Leavenworth County. See the county

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Tonganoxie

What homes there are in Tonganoxie, 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

The detached house is still the most common home in Tonganoxie, but it weighs less than in Leavenworth County: 59% against 77%.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,844 a month

Leavenworth County: $1,925 a month

Without a mortgage

$993 a month

Leavenworth County: $682 a month

Owners with a mortgage

71%

Leavenworth County: 63%

Owning costs about the same in Tonganoxie as in Leavenworth County: with a mortgage, $1,844 a month; without one, $993.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Tonganoxie gained value faster than in Leavenworth County: 58% against 55%.

The typical rent in Tonganoxie stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureTonganoxieLeavenworth CountyKansasUnited States
Rental vacancy Unreliable estimate6.0%6.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.6%2.1%3.4%
People per household 2.482.592.442.53
Drive alone 77%77%75%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate10%12%15%
Other means Unreliable estimate2%1%2%
Typical commute 30 to 39 minutes20 to 29 minutes10 to 19 minutes20 to 29 minutes

By size, households in Tonganoxie look like those in Leavenworth County: 2.48 people on average.

The car rules in Tonganoxie: 77% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Tonganoxie?

A typical home is tight for the typical income

We start with a typical home in Tonganoxie, worth $261,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Tonganoxie, which is $80,109 a year. For that payment to be 28% of income, a household would need to earn about $98,163 a year.

The calculator's FHA and conventional loan limits are those of all of Leavenworth County.

Your numbers

Local data
$

Starts at the typical home value in Tonganoxie. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,160 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,290

at 7.18% · 30 years

Loan amount
$256,959
Total interest
$369,704
Paid off in
November 2056

Includes $4,419 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,869 a month

  • Tight

    $1,869 to $2,403 a month

    Your payment · 34%

  • Hard

    more than $2,403 a month

Compared with the typical household income in Tonganoxie ($80,109 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,290
Principal & interest$1,741
Property tax$325
Home insurance$109
FHA mortgage insurance (MIP)$116

You need at least $9,160 for the down payment, plus closing costs.

Next step

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.

The city and its county

Tonganoxie and Leavenworth County

Tonganoxie is in Leavenworth 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).

Tonganoxie's own numbers

Typical home value
$261,700
Typical monthly rent
$1,224
Typical yearly household income
$80,109
Households that own their home
68%
Effective property tax rate
1.49%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Leavenworth 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)
+53%
Homes in a high flood-risk zone
0.8%

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 Leavenworth County.

Everything about Leavenworth County

Buying

Buying a home in Tonganoxie

A typical home in Tonganoxie is worth $261,700: 7% below the county and 20% above Kansas. With the typical household income in Tonganoxie ($80,109 a year), a typical home costs 3.3 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.

  • Tonganoxie 3.3 years
  • Leavenworth 3.2 years
  • Kansas 2.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Leavenworth County

According to FHFA’s house price index, home prices in Leavenworth County rose 96% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Leavenworth County.

Period County Kansas U.S.
Last year (2025) +4.4% +4.1% +2.9%
5 years (2020–2025) +53% +49% +47%
10 years (2015–2025) +96% +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

Tonganoxie next to Leavenworth 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
  • Tonganoxie $261,700
  • Leavenworth $282,900
  • Kansas $217,200
  • United States $332,700
Typical monthly rent
  • Tonganoxie $1,224
  • Leavenworth $1,219
  • Kansas $1,060
  • United States $1,413
Typical yearly household income
  • Tonganoxie $80,109
  • Leavenworth $89,218
  • Kansas $74,275
  • United States $80,734
See the full table
Tonganoxie next to Leavenworth County and Kansas
Measure Tonganoxie Leavenworth County Kansas U.S.
Typical home value $261,700 $282,900 $217,200 $332,700
Typical monthly rent $1,224 $1,219 $1,060 $1,413
Typical yearly household income $80,109 $89,218 $74,275 $80,734
Households that own their home 68% 69% 67% 65%
Typical yearly property tax $3,910 $3,424 $2,798 $3,119
Effective property tax rate 1.49% 1.21% 1.29% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Leavenworth 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 Tonganoxie

For a typical $261,700 home in Tonganoxie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tonganoxie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,290a month

    Least cash to close
    Down payment
    $9,160
    Cash to close
    $17,011
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $116

  • Conventional, 5% down $2,242a month

    Down payment
    $13,085
    Cash to close
    $20,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $124

  • Conventional, 20% down, no PMI $1,852a month

    Down payment
    $52,340
    Cash to close
    $60,191
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,094a month

    Down payment
    $39,255
    Cash to close
    $47,106
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Tonganoxie and for Leavenworth County.

Property tax

Effective rate in Tonganoxie

1.49%of the home’s value each year

$3,910 a year for the typical owner in Tonganoxie.

  • Tonganoxie 1.49%
  • Leavenworth 1.21%
  • Kansas 1.29%

What Kansas publishes Residential exemption from the statewide school levy (Kansas Office of Revisor of Statutes (Kansas Statutes Annotated))

Exemptions and deadlines in Kansas

Flood risk in Leavenworth County

FEMA does not publish these numbers by city: they are for all of Leavenworth County.

Homes in the high-risk zone
0.8%
227
Of those, with NFIP insurance
26%
County Kansas U.S.
Homes in the high-risk zone 0.8% 2% 3.5%
Of those, with NFIP insurance 26% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Tonganoxie

Typical rent in Tonganoxie is $1,224 a month: about the same as the county.

HUD publishes a fair market rent for all of Leavenworth 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.

HUD fair market rent for all of Leavenworth County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Tonganoxie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tonganoxie is in ZIP code 66086.

For 2 bedrooms it is $1,490: $56 less than the fair market rent for Leavenworth County ($1,546).

  • 66086 $1,490$1,950

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tonganoxie 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Tonganoxie

HUD lists one building with rents for lower incomes in Tonganoxie.

  • Tonganoxie Sundance Apts 2070 Willow Bend Cir, Tonganoxie 66086 24 low-income homes · 2 bd: 24 · In service since 2005

See all 17 buildings in Leavenworth County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Tonganoxie

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 Leavenworth County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Tonganoxie

No down payment, repair or rent-help program on our list is for Tonganoxie or Leavenworth County. The ones below are statewide in Kansas: they work in Tonganoxie the same as in the rest of the state.

Which programs do I qualify for? All programs in Kansas

  • First Time Homebuyer Program

    Statewide in Kansas

    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).

    Forgivable

    See the program Official page

Housing counselors near Tonganoxie

The HUD-approved agencies closest to the center of Tonganoxie, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Housing of Wyandotte County, Inc.

    2 S 14th St, Kansas City · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (913) 342-7580

  • Cambridge Credit Counseling Corporation - Wichita Branch

    727 N Waco Ave, Wichita · 156 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (800) 757-1788

  • Catholic Charities of Southwest Kansas

    804 N 2nd Ave, Dodge City · 283 miles away · Spanish

    Also serves in Creole, French, and Swahili.

    • Budget and financial counseling
    • Home improvement and repairs
    • and 4 more
    (620) 227-1562

All counseling agencies in Kansas

Help in Spanish near Tonganoxie

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Tonganoxie

In HUD’s record, no housing authority with an office in Leavenworth County is named for Tonganoxie or Leavenworth County.

One other authority has an office in Leavenworth County: see the list Source: HUD

Cities

Other cities in Leavenworth County

These cities are also in Leavenworth County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Leavenworth County Housing in Kansas

Nearby cities

The cities closest to Tonganoxie, with the typical home value.

Neighboring counties

If Leavenworth County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Tonganoxie.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Tonganoxie

Short answers with the numbers for Tonganoxie and all of Leavenworth 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 Tonganoxie?

The typical home value in Tonganoxie is $261,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Leavenworth County it is $282,900.

How much does it cost to rent in Tonganoxie?

Typical rent in Tonganoxie is $1,224 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Leavenworth County is $1,546.

What is the FHA loan limit in Tonganoxie?

Tonganoxie uses the FHA limit for all of Leavenworth 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 Tonganoxie?

The typical homeowner in Tonganoxie pays $3,910 a year, according to the U.S. Census Bureau. That is 1.49% of the home’s value; in Leavenworth County, the rate is 1.21%.

Where can I find free help to buy or rent in Tonganoxie?

We found no HUD-approved counseling agencies with an office in Leavenworth County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).