Lincoln County, Kansas home prices
Typical home $129,123 · +6.7% in a year · property tax 1.46%
The typical home in Lincoln County is worth $129,123, 48% less than the Kansas typical home ($246,055). Values changed +6.7% in the past year and +30.7% over five years. Homeowners here pay a median 1.46% of their home's value in property tax each year ($1,891 on the typical home), versus 1.24% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $25,825 | $103,299 | $695 | $0 | $222 | $917 | $39,300 |
| 10% down | $12,912 | $116,211 | $782 | $48 | $222 | $1,052 | $45,100 |
| 5% down | $6,456 | $122,667 | $825 | $51 | $222 | $1,098 | $47,100 |
| 3.5% down (FHA) | $4,519 | $126,785 | $853 | $57 | $222 | $1,132 | $48,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.46% 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 |
|---|---|---|---|
| Pratt County | $127,432 | +5.3% | 1.74% |
| Cherokee County | $127,211 | +5.0% | 1.22% |
| Rawlins County | $125,993 | +4.4% | 1.56% |
| Cowley County | $125,551 | +5.0% | 1.65% |
| Mitchell County | $133,773 | -4.5% | 1.66% |
| Bourbon County | $134,185 | +9.7% | 1.57% |
| Wallace County | $136,145 | +3.5% | 1.34% |
| Trego County | $136,189 | -3.0% | 1.45% |
| Phillips County | $121,469 | +5.2% | 1.8% |
| Crawford County | $137,283 | -0.2% | 1.06% |
Frequently asked questions
What is the average home price in Lincoln County, KS?
The typical home value in Lincoln County is $129,123 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $39,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 1.46% of home value a year (Census ACS 2024 5-year estimates).