Elk County, Kansas home prices
Typical home $99,977 · +7.8% in a year · property tax 2.03%
The typical home in Elk County is worth $99,977, 59% less than the Kansas typical home ($246,055). Values changed +7.8% in the past year and +39.0% over five years. Homeowners here pay a median 2.03% of their home's value in property tax each year ($2,026 on the typical home), versus 1.24% statewide.
Mortgage on the typical Elk County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $19,995 | $79,982 | $538 | $0 | $219 | $757 | $32,400 |
| 10% down | $9,998 | $89,979 | $605 | $37 | $219 | $862 | $36,900 |
| 5% down | $4,999 | $94,978 | $639 | $40 | $219 | $897 | $38,500 |
| 3.5% down (FHA) | $3,499 | $98,166 | $660 | $44 | $219 | $923 | $39,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.03% 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 |
|---|---|---|---|
| Montgomery County | $102,011 | +7.8% | 1.72% |
| Morton County | $96,902 | +1.1% | 2.08% |
| Labette County | $96,287 | +2.0% | 1.65% |
| Wilson County | $104,584 | +0.4% | 1.48% |
| Stafford County | $104,776 | +8.1% | 1.59% |
| Decatur County | $105,339 | +2.5% | 1.79% |
| Greenwood County | $106,121 | +7.2% | 1.52% |
| Graham County | $106,776 | +5.1% | 1.83% |
| Ness County | $106,985 | +8.7% | 1.95% |
| Osborne County | $92,245 | -3.0% | 1.7% |
Frequently asked questions
What is the average home price in Elk County, KS?
The typical home value in Elk County is $99,977 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Elk County?
About $32,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Elk County?
The median effective rate is 2.03% of home value a year (Census ACS 2024 5-year estimates).