How much house can I afford on $70,000 in Kansas?
About $236,000 with 20% down ($190,000 with an FHA loan), using Kansas's 1.24% property tax rate.
That is $9,986 less than the typical Kansas home ($246,055), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,270 principal and interest, $245 property tax and $118 insurance.
Counties in Kansas you can afford on $70,000
91 of 105 counties have a typical home value at or below $236,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Finney County | $233,147 | -1.9% | 1.44% |
| Sedgwick County | $223,622 | +2.6% | 1.21% |
| Sheridan County | $222,416 | +8.8% | 1.49% |
| McPherson County | $220,505 | +2.3% | 1.37% |
| Osage County | $209,072 | +3.2% | 1.49% |
| Geary County | $208,531 | -2.9% | 1.45% |
| Ford County | $206,809 | -3.2% | 1.52% |
| Wyandotte County | $206,653 | +2.6% | 1.46% |
| Shawnee County | $205,296 | -0.1% | 1.5% |
| Morris County | $193,831 | +7.1% | 1.46% |
| Lyon County | $192,806 | +3.6% | 1.55% |
| Anderson County | $192,110 | +6.6% | 1.37% |
| Harvey County | $191,899 | +4.9% | 1.51% |
| Coffey County | $191,081 | +3.0% | 1.09% |
| Kearny County | $189,811 | +2.9% | 1.05% |
| Atchison County | $185,797 | +7.2% | 1.32% |
| Scott County | $183,996 | +2.4% | 1.65% |
| Linn County | $179,925 | +7.4% | 1.16% |
| Saline County | $179,682 | +4.7% | 1.31% |
| Thomas County | $176,313 | +1.5% | 1.41% |
| Ottawa County | $176,212 | +7.3% | 1.66% |
| Haskell County | $173,585 | -2.6% | 1.45% |
| Kingman County | $173,003 | +0.4% | 1.74% |
| Doniphan County | $171,952 | +10.5% | 1.07% |
| Clay County | $170,455 | +7.6% | 1.32% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.24% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Kansas
Frequently asked questions
How much house can I afford on $70,000 in Kansas?
About $236,000 with 20% down at 7.11%, keeping the payment (with Kansas's 1.24% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Kansas?
Not the typical home: the typical Kansas home is worth $246,055 (Zillow, September 2026) and $70,000 supports about $236,000. 91 of 105 counties are within budget.