Cloud County, Kansas home prices
Typical home $118,276 · +3.5% in a year · property tax 1.7%
The typical home in Cloud County is worth $118,276, 52% less than the Kansas typical home ($246,055). Values changed +3.5% in the past year and +37.0% over five years. Homeowners here pay a median 1.7% of their home's value in property tax each year ($2,015 on the typical home), versus 1.24% statewide.
Mortgage on the typical Cloud County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $23,655 | $94,621 | $637 | $0 | $227 | $864 | $37,000 |
| 10% down | $11,828 | $106,448 | $716 | $44 | $227 | $988 | $42,300 |
| 5% down | $5,914 | $112,362 | $756 | $47 | $227 | $1,030 | $44,100 |
| 3.5% down (FHA) | $4,140 | $116,134 | $781 | $52 | $227 | $1,061 | $45,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.7% 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.
What it takes: see what you can afford by salary in Kansas.
Kansas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rice County | $117,458 | +8.6% | 1.52% |
| Meade County | $119,325 | +2.8% | 1.35% |
| Rooks County | $120,006 | +2.9% | 1.93% |
| Barton County | $120,046 | +8.6% | 1.68% |
| Smith County | $116,435 | +4.0% | 1.83% |
| Russell County | $116,405 | +10.2% | 1.86% |
| Allen County | $116,299 | +1.9% | 1.67% |
| Phillips County | $121,469 | +5.2% | 1.8% |
| Lane County | $113,388 | +10.7% | 1.32% |
| Norton County | $112,903 | -1.4% | 1.7% |
Frequently asked questions
What is the average home price in Cloud County, KS?
The typical home value in Cloud County is $118,276 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cloud County?
About $37,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cloud County?
The median effective rate is 1.7% of home value a year (Census ACS 2024 5-year estimates).