Graham County, Kansas home prices
Typical home $106,776 · +5.1% in a year · property tax 1.83%
The typical home in Graham County is worth $106,776, 57% less than the Kansas typical home ($246,055). Values changed +5.1% in the past year and +39.3% over five years. Homeowners here pay a median 1.83% of their home's value in property tax each year ($1,949 on the typical home), versus 1.24% statewide.
Mortgage on the typical Graham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $21,355 | $85,421 | $575 | $0 | $216 | $790 | $33,900 |
| 10% down | $10,678 | $96,099 | $646 | $40 | $216 | $902 | $38,700 |
| 5% down | $5,339 | $101,438 | $682 | $42 | $216 | $940 | $40,300 |
| 3.5% down (FHA) | $3,737 | $104,842 | $705 | $47 | $216 | $968 | $41,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.83% 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 |
|---|---|---|---|
| Ness County | $106,985 | +8.7% | 1.95% |
| Greenwood County | $106,121 | +7.2% | 1.52% |
| Decatur County | $105,339 | +2.5% | 1.79% |
| Stafford County | $104,776 | +8.1% | 1.59% |
| Wilson County | $104,584 | +0.4% | 1.48% |
| Republic County | $108,996 | -3.8% | 1.79% |
| Neosho County | $109,150 | +4.1% | 1.47% |
| Pawnee County | $109,195 | +5.0% | 2.03% |
| Woodson County | $110,121 | +4.1% | 1.93% |
| Jewell County | $110,818 | +11.9% | 1.93% |
Frequently asked questions
What is the average home price in Graham County, KS?
The typical home value in Graham County is $106,776 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Graham County?
About $33,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Graham County?
The median effective rate is 1.83% of home value a year (Census ACS 2024 5-year estimates).