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City · 397,945 residents · Sedgwick County, Kansas

Wichita , Kansas

In Wichita, a typical home is worth $190,800 and typical rent is $975 a month. Compared with all of Sedgwick County, typical household income is 7% lower and the typical home value is 6% lower.

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  • Typical home value

    $190,800

    6% below the county

    12% below Kansas

    • Wichita
    • Sedgwick
    • Kansas

  • Typical rent

    $975a month

    2% below the county

    8% below Kansas

    • Wichita
    • Sedgwick
    • Kansas

  • Typical household income

    $64,620a year

    7% below the county

    13% below Kansas

    • Wichita
    • Sedgwick
    • Kansas

  • Households that own their home

    59%

    4 points below the county

    8 points below Kansas

    • Wichita
    • Sedgwick
    • Kansas

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

Market now, with Zillow data

Zillow data
Typical home value
$204,831
2.3% more than 12 months ago
Typical rent
$1,159 a month
4.4% more than 12 months ago

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

Wichita is in Sedgwick 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 Sedgwick County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wichita apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Haysville, the typical home value is $161,800: 15% less than in Wichita ($190,800).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Wichita

What homes there are in Wichita, 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 the most common home in Wichita: 66% of homes, near the figure in Sedgwick County (69%).

Year built

In Wichita, half of the homes were built before 1974; in Sedgwick County, before 1978.

In Wichita, 17% of homes have 1 bedroom or none (studios); 57% have 3 bedrooms or more, against 61% in Sedgwick County.

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

The FHA loan limit for Sedgwick County is $541,287, and about 95% of owner-occupied homes in Wichita are worth less than that.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,043), about 56% of rented homes in Wichita cost less.

With a mortgage

$1,480 a month

Sedgwick County: $1,564 a month

Without a mortgage

$590 a month

Sedgwick County: $612 a month

Owners with a mortgage

60%

Sedgwick County: 61%

In Wichita, 60% of owners have a mortgage, and their typical cost is $1,480 a month, against $1,564 in Sedgwick County. Without one it drops to $590.

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

From 2015–2019 to 2020–2024, home values in Wichita rose at about the same pace as in Sedgwick County: 43% against 45%.

The typical rent in Wichita rose 21% since 2015–2019, about the same as in Sedgwick County (21%).

To compare: typical income in Wichita rose 23%; the home, +43%; the rent, +21%.

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

MeasureWichitaSedgwick CountyKansasUnited States
Rental vacancy 7.2%7.1%6.2%5.5%
Homeowner vacancy 1.0%1.2%0.9%0.9%
More than one person per room 2.6%2.4%2.1%3.4%
People per household 2.462.512.442.53
Drive alone 79%79%75%69%
Carpool 10%9%9%9%
Public transit 1%1%0%3%
Walk or bike 1%1%3%3%
Work from home 8%8%12%15%
Other means 2%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

In Wichita, the rental vacancy rate is 7.2%, about the same as in Sedgwick County.

More than one person per room: that is how 2.6% of households in Wichita live, near the figure in Sedgwick County (2.4%).

A household in Wichita has 2.46 people on average, about the same as in Sedgwick County (2.51).

To get to work, 79% of workers in Wichita drive alone; in Sedgwick County, 79%.

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 Wichita?

A typical home is tight for the typical income

We start with a typical home in Wichita, worth $190,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Wichita, which is $64,620 a year. For that payment to be 28% of income, a household would need to earn about $69,388 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wichita. 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 $6,678 (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

$1,619

at 7.18% · 30 years

Loan amount
$187,344
Total interest
$269,544
Paid off in
November 2056

Includes $3,222 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,508 a month

  • Tight

    $1,508 to $1,939 a month

    Your payment · 30%

  • Hard

    more than $1,939 a month

Compared with the typical household income in Wichita ($64,620 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,619
Principal & interest$1,269
Property tax$186
Home insurance$80
FHA mortgage insurance (MIP)$84

You need at least $6,678 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

Wichita and Sedgwick County

Wichita is in Sedgwick 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).

Wichita's own numbers

Typical home value
$190,800
Typical monthly rent
$975
Typical yearly household income
$64,620
Households that own their home
59%
Effective property tax rate
1.17%

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

Numbers for all of Sedgwick County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,043
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.8%

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 Sedgwick County.

Everything about Sedgwick County

Buying

Buying a home in Wichita

A typical home in Wichita is worth $190,800: 6% below the county and 12% below Kansas. With the typical household income in Wichita ($64,620 a year), a typical home costs 3.0 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.

  • Wichita 3.0 years
  • Sedgwick 2.9 years
  • Kansas 2.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sedgwick County

According to FHFA’s house price index, home prices in Sedgwick County rose 85% in the 10 years through 2025.

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

Period County Kansas U.S.
Last year (2025) +3.3% +4.1% +2.9%
5 years (2020–2025) +49% +49% +47%
10 years (2015–2025) +85% +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

Wichita next to Sedgwick 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
  • Wichita $190,800
  • Sedgwick $203,300
  • Kansas $217,200
  • United States $332,700
Typical monthly rent
  • Wichita $975
  • Sedgwick $998
  • Kansas $1,060
  • United States $1,413
Typical yearly household income
  • Wichita $64,620
  • Sedgwick $69,365
  • Kansas $74,275
  • United States $80,734
See the full table
Wichita next to Sedgwick County and Kansas
Measure Wichita Sedgwick County Kansas U.S.
Typical home value $190,800 $203,300 $217,200 $332,700
Typical monthly rent $975 $998 $1,060 $1,413
Typical yearly household income $64,620 $69,365 $74,275 $80,734
Households that own their home 59% 63% 67% 65%
Typical yearly property tax $2,233 $2,461 $2,798 $3,119
Effective property tax rate 1.17% 1.21% 1.29% 0.94%
Renters with high rent for their income 45% 44% 43% 51%

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

For a typical $190,800 home in Wichita, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wichita's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,619a month

    Least cash to close
    Down payment
    $6,678
    Cash to close
    $12,402
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $84

  • Conventional, 5% down $1,584a month

    Down payment
    $9,540
    Cash to close
    $15,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,300a month

    Down payment
    $38,160
    Cash to close
    $43,884
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,476a month

    Down payment
    $28,620
    Cash to close
    $34,344
    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 Wichita and for Sedgwick County.

Property tax

Effective rate in Wichita

1.17%of the home’s value each year

$2,233 a year for the typical owner in Wichita.

  • Wichita 1.17%
  • Sedgwick 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 Sedgwick County

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

Homes in the high-risk zone
1.8%
3,456
Of those, with NFIP insurance
16%
County Kansas U.S.
Homes in the high-risk zone 1.8% 2% 3.5%
Of those, with NFIP insurance 16% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wichita

Typical rent in Wichita is $975 a month: 2% below the county. In Wichita, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sedgwick County, by unit size. To pay the 2-bedroom one ($1,043 a month) without spending more than 30% of your income, you would need to earn $20.06 an hour working full time.

HUD fair market rent for all of Sedgwick 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 $778 $14.96 $31,120
1 bedroom $823 $15.83 $32,920
2 bedrooms $1,043 $20.06 $41,720
3 bedrooms $1,382 $26.58 $55,280
4 bedrooms $1,712 $32.92 $68,480

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 Wichita

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wichita has 19 ZIP codes with their own.

For 2 bedrooms it runs from $960 in 67214 to $1,560 in 67235.

9 of the 19 are above the fair market rent for Sedgwick County ($1,043).

10 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wichita 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 Wichita

HUD lists 85 buildings with rents for lower incomes in Wichita. These are the largest.

  • Wichita RAD Senior 315 N Riverview St, Wichita 67203 226 low-income homes · For families (316) 867-8197
  • Inwood Crossings 3540 N Inwood St, Wichita 67226 260 homes, 208 low-income · 1 bd: 24 · 2 bd: 108 · 3 bd: 128 · In service since 2009 · For families
  • Buttonwood Tree Apts 9211 E Harry St, Wichita 67207 216 homes, 173 low-income · 1 bd: 137 · 2 bd: 79 · In service since 2002
  • MT Carmel Village 101 N Mount Carmel St, Wichita 67203 168 low-income homes · 1 bd: 84 · 2 bd: 84 · In service since 1991
  • Linwood Residences 2002 S Hydraulic St, Wichita 67211 180 homes, 162 low-income · Studio: 31 · 1 bd: 118 · 2 bd: 31 · In service since 2014

See all 113 buildings in Sedgwick County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wichita

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 Sedgwick County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Wichita

No down payment, repair or rent-help program on our list is for Wichita or Sedgwick County. The ones below are statewide in Kansas: they work in Wichita 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 Wichita

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

  • Cambridge Credit Counseling Corporation - Wichita Branch

    727 N Waco Ave, Wichita · 1 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 · 146 miles away · Spanish

    Also serves in Creole, French, and Swahili.

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

  • Community Housing of Wyandotte County, Inc.

    2 S 14th St, Kansas City · 176 miles away · Spanish

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

Every agency in Sedgwick County All counseling agencies in Kansas

Help in Spanish near Wichita

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 Wichita

HUD’s record names them for Wichita or Sedgwick County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Wichita Housing Authority Public housing and Section 8 vouchers (316) 462-3700

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

Cities

Other cities in Sedgwick County

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

Everything about Sedgwick County Housing in Kansas

Nearby cities

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

Neighboring counties

If Sedgwick 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 Wichita.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Wichita

Short answers with the numbers for Wichita and all of Sedgwick 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 Wichita?

The typical home value in Wichita is $190,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sedgwick County it is $203,300.

How much does it cost to rent in Wichita?

Typical rent in Wichita is $975 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sedgwick County is $1,043.

What is the FHA loan limit in Wichita?

Wichita uses the FHA limit for all of Sedgwick 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 Wichita?

The typical homeowner in Wichita pays $2,233 a year, according to the U.S. Census Bureau. That is 1.17% of the home’s value; in Sedgwick County, the rate is 1.21%.

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

There is 1 HUD-approved counseling agency with an office in Sedgwick County. 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).