In Winfield, a typical home is worth $132,700 and typical rent is $786 a month. Compared with all of Cowley County, the typical home value is 10% higher.
Typical home value from Zillow, September 2021 to September 2026: from $104,564 to $137,460.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Winfield is in Cowley 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 Cowley County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Arkansas City, the typical home value is $86,800: 35% less than in Winfield ($132,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Winfield
What homes there are in Winfield, 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
Winfield
Cowley County
Kansas
United States
Kind of home: Winfield and its comparisons
Measure
Winfield
Cowley County
Kansas
United States
Detached house
74%
75%
72%
61%
Attached house
Unreliable estimate
1%
5%
6%
Building of 2 to 4
10%
8%
6%
8%
Apartments (5 or more)
Unreliable estimate
8%
13%
19%
Mobile home
5%
8%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Cowley County, most homes in Winfield are detached houses (74%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Winfield
Cowley County
Kansas
United States
Year built: Winfield and its comparisons
Measure
Winfield
Cowley County
Kansas
United States
Before 1960
52%
49%
32%
26%
1960–1979
19%
21%
24%
24%
1980–1999
22%
20%
23%
25%
2000–2009
5%
6%
12%
14%
2010 or later
Unreliable estimate
4%
9%
11%
The typical year built in Winfield is 1959, about the same as in Cowley County (1961).
In Winfield, 58% of homes have 3 bedrooms or more, about the same as in Cowley 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 $100K33%
$100K–$200K41%
$200K–$300K16%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Winfield and its comparisons
Measure
Winfield
Under $100K
33%
$100K–$200K
41%
$200K–$300K
16%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Cowley County is high ($541,287): at least 98% of owner-occupied homes in Winfield are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99952%
$1,000–$1,49922%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Winfield and its comparisons
Measure
Winfield
Under $500
Unreliable estimate
$500–$999
52%
$1,000–$1,499
22%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,349 a month
Cowley County: $1,295 a month
Without a mortgage
$594 a month
Cowley County: $576 a month
Owners with a mortgage
59%
Cowley County: 52%
Owning costs about the same in Winfield as in Cowley County: with a mortgage, $1,349 a month; without one, $594.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Winfield+45%
Cowley County+36%
Kansas+43%
United States+53%
Typical rent
WinfieldNo clear change
Cowley County+17%
Kansas+25%
United States+33%
Typical household income
Winfield+23%
Cowley County+16%
Kansas+25%
United States+29%
Change since 2015–2019: Winfield and its comparisons
Measure
Winfield
Cowley County
Kansas
United States
Typical home value
+45%
+36%
+43%
+53%
Typical rent
No clear change
+17%
+25%
+33%
Typical household income
+23%
+16%
+25%
+29%
Since 2015–2019, homes in Winfield gained value faster than in Cowley County: 45% against 36%.
Rent in Winfield moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Winfield and its comparisons
Measure
Winfield
Cowley 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
2.27
2.40
2.44
2.53
Drive alone
75%
78%
75%
69%
Carpool
15%
14%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
6%
5%
12%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Households in Winfield are smaller: 2.27 people on average; in Cowley County, 2.40.
To get to work, 75% of workers in Winfield drive alone; in Cowley County, 78%.
Do the math
What would you pay each month for a home in Winfield?
A typical home is within reach of the typical income
We start with a typical home in Winfield, worth $132,700, 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 Winfield, which is $56,656 a year.
The calculator's FHA and conventional loan limits are those of all of Cowley 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 Winfield. 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 $4,645 (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
$1,191
at 7.18% · 30 years
Loan amount
$130,296
Total interest
$187,465
Paid off in
November 2056
Includes $2,241 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,322 a month
Your payment · 25%
Tight
$1,322 to $1,700 a month
Hard
more than $1,700 a month
Compared with the typical household income in Winfield ($56,656 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$883
Property tax
$195
Home insurance
$55
FHA mortgage insurance (MIP)
$59
You need at least $4,645 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 $1,191; principal and interest $883.
The city and its county
Winfield and Cowley County
Winfield is in Cowley 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).
Winfield
Map of Cowley County, Kansas, with Winfield marked. Around it, the neighboring counties.
Winfield
Cowley County
Other cities with a page
Winfield's own numbers
Typical home value
$132,700
Typical monthly rent
$786
Typical yearly household income
$56,656
Households that own their home
65%
Effective property tax rate
1.76%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cowley County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$961
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
2.7%
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 Cowley County.
A typical home in Winfield is worth $132,700: 10% above the county and 39% below Kansas. With the typical household income in Winfield ($56,656 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.
Winfield2.3 years
Cowley2.1 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cowley County
According to FHFA’s house price index, home prices in Cowley County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cowley County.
Yearly change in FHFA’s price index in Cowley County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: −0.3% −0.3% 2017
2018: +2.8% +2.8% 2018
2019: +2.8% +2.8% 2019
2020: +4.6% +4.6% 2020
2021: +11.9% +11.9% 2021
2022: +12.3% +12.3% 2022
2023: +6.5% +6.5% 2023
2024: +5.2% +5.2% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Cowley County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+3.1%
+4.1%
+2.9%
5 years (2020–2025)
+45%
+49%
+47%
10 years (2015–2025)
+72%
+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
Winfield next to Cowley 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
Winfield$132,700
Cowley$120,900
Kansas$217,200
United States$332,700
Typical monthly rent
Winfield$786
Cowley$809
Kansas$1,060
United States$1,413
Typical yearly household income
Winfield$56,656
Cowley$57,878
Kansas$74,275
United States$80,734
See the full table
Winfield next to Cowley County and Kansas
Measure
Winfield
Cowley County
Kansas
U.S.
Typical home value
$132,700 ▲10% above the county
$120,900
$217,200
$332,700
Typical monthly rent
$786 ▼3% below the county
$809
$1,060
$1,413
Typical yearly household income
$56,656 ▼2% below the county
$57,878
$74,275
$80,734
Households that own their home
65% ▼3 points below the county
68%
67%
65%
Typical yearly property tax
$2,342 ▲17% above the county
$1,999
$2,798
$3,119
Effective property tax rate
1.76% ▲0.11 points above the county
1.65%
1.29%
0.94%
Renters with high rent for their income
51%
51%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cowley 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 Winfield
For a typical $132,700 home in Winfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winfield's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,191a month
Least cash to close
Down payment
$4,645
Cash to close
$8,626
Rate
7.18%
Mortgage insurance
FHA MIP · $59
Conventional, 5% down$1,167a month
Down payment
$6,635
Cash to close
$10,616
Rate
7.18%
Mortgage insurance
PMI · $63
Conventional, 20% down, no PMI$969a month
Down payment
$26,540
Cash to close
$30,521
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,092a month
Down payment
$19,905
Cash to close
$23,886
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Winfield
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,191
$4,645
$130,296
7.18%
FHA MIP · $59
$8,626
580
Conventional, 5% down
$1,167
$6,635
$126,065
7.18%
PMI · $63
$10,616
620*
Conventional, 20% down, no PMI
$969
$26,540
$106,160
7.18%
None
$30,521
620*
ITIN, 15% down (example)
$1,092
$19,905
$112,795
8.18%
None
$23,886
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 Winfield is $786 a month: 3% below the county. In Winfield, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cowley County, by unit size. To pay the 2-bedroom one ($961 a month) without spending more than 30% of your income, you would need to earn $18.48 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 Cowley County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$707
$13.60
$28,280
1 bedroom
$735
$14.13
$29,400
2 bedrooms
$961
$18.48
$38,440
3 bedrooms
$1,269
$24.40
$50,760
4 bedrooms
$1,437
$27.63
$57,480
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 Winfield
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winfield is in ZIP code 67156.
For 2 bedrooms it is $960: $1 less than the fair market rent for Cowley County ($961).
Fair market rent by ZIP code and size in Winfield, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
67156
$710
$730
$960
$1,270
$1,440
ZIP code2 bd3 bd
67156 $960$1,270
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Winfield 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 11 buildings with rents for lower incomes in Winfield. These are the largest.
Canterbury Village2300 Saint James Ct, Winfield 67156100 low-income homes · 1 bd: 12 · 2 bd: 44 · 3 bd: 44 · In service since 2006 · For families(620) 221-4094
Walnut Towers1201 Menor St, Winfield 6715678 homes, 77 low-income · For older adults(620) 221-7210
Winfield Ha1409 Pine Ter, Winfield 6715650 low-income homes · Run by Winfield Housing Authority · Average payment: $432 a month · Average wait: 68 months(620) 221-4936
Rehwinkel Apts1415 E 6th Ave, Winfield 6715636 low-income homes · 1 bd: 36 · In service since 2015 · For families
Baden Hall1518 E 8th Ave, Winfield 6715624 low-income homes · 1 bd: 16 · 2 bd: 6 · 3 bd: 2 · In service since 2011 · For families
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 Cowley 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 Winfield or Cowley County. The ones below are statewide in Kansas: they work in Winfield 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 Winfield or Cowley 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 Winfield and all of Cowley 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 Winfield?
The typical home value in Winfield is $132,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cowley County it is $120,900.
How much does it cost to rent in Winfield?
Typical rent in Winfield is $786 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cowley County is $961.
What is the FHA loan limit in Winfield?
Winfield uses the FHA limit for all of Cowley 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 Winfield?
The typical homeowner in Winfield pays $2,342 a year, according to the U.S. Census Bureau. That is 1.76% of the home’s value; in Cowley County, the rate is 1.65%.
Where can I find free help to buy or rent in Winfield?
We found no HUD-approved counseling agencies with an office in Cowley County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
