Harper County, Kansas home prices
Typical home $92,115 · +5.1% in a year · property tax 1.78%
The typical home in Harper County is worth $92,115, 63% less than the Kansas typical home ($246,055). Values changed +5.1% in the past year and +39.9% over five years. Homeowners here pay a median 1.78% of their home's value in property tax each year ($1,643 on the typical home), versus 1.24% statewide.
Mortgage on the typical Harper County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $18,423 | $73,692 | $496 | $0 | $183 | $679 | $29,100 |
| 10% down | $9,212 | $82,904 | $558 | $35 | $183 | $775 | $33,200 |
| 5% down | $4,606 | $87,509 | $589 | $36 | $183 | $808 | $34,600 |
| 3.5% down (FHA) | $3,224 | $90,447 | $608 | $41 | $183 | $832 | $35,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.78% 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 |
|---|---|---|---|
| Osborne County | $92,245 | -3.0% | 1.7% |
| Barber County | $89,699 | +9.8% | 1.7% |
| Labette County | $96,287 | +2.0% | 1.65% |
| Chautauqua County | $87,744 | -0.2% | 1.51% |
| Rush County | $87,486 | +2.7% | 1.87% |
| Morton County | $96,902 | +1.1% | 2.08% |
| Clark County | $86,320 | -2.4% | 1.94% |
| Comanche County | $85,908 | -3.6% | 2.16% |
| Elk County | $99,977 | +7.8% | 2.03% |
| Edwards County | $82,819 | -1.1% | 1.58% |
Frequently asked questions
What is the average home price in Harper County, KS?
The typical home value in Harper County is $92,115 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harper County?
About $29,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harper County?
The median effective rate is 1.78% of home value a year (Census ACS 2024 5-year estimates).