Cowley County, Kansas home prices
Typical home $125,551 · +5.0% in a year · property tax 1.65%
The typical home in Cowley County is worth $125,551, 49% less than the Kansas typical home ($246,055). Values changed +5.0% in the past year and +32.0% over five years. Homeowners here pay a median 1.65% of their home's value in property tax each year ($2,076 on the typical home), versus 1.24% statewide.
Mortgage on the typical Cowley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $25,110 | $100,440 | $676 | $0 | $236 | $911 | $39,100 |
| 10% down | $12,555 | $112,996 | $760 | $47 | $236 | $1,043 | $44,700 |
| 5% down | $6,278 | $119,273 | $802 | $50 | $236 | $1,088 | $46,600 |
| 3.5% down (FHA) | $4,394 | $123,277 | $829 | $56 | $236 | $1,121 | $48,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.65% 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 |
|---|---|---|---|
| Rawlins County | $125,993 | +4.4% | 1.56% |
| Cherokee County | $127,211 | +5.0% | 1.22% |
| Pratt County | $127,432 | +5.3% | 1.74% |
| Lincoln County | $129,123 | +6.7% | 1.46% |
| Phillips County | $121,469 | +5.2% | 1.8% |
| Barton County | $120,046 | +8.6% | 1.68% |
| Rooks County | $120,006 | +2.9% | 1.93% |
| Meade County | $119,325 | +2.8% | 1.35% |
| Cloud County | $118,276 | +3.5% | 1.7% |
| Rice County | $117,458 | +8.6% | 1.52% |
Frequently asked questions
What is the average home price in Cowley County, KS?
The typical home value in Cowley County is $125,551 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cowley County?
About $39,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cowley County?
The median effective rate is 1.65% of home value a year (Census ACS 2024 5-year estimates).