Ness County, Kansas home prices
Typical home $106,985 · +8.7% in a year · property tax 1.95%
The typical home in Ness County is worth $106,985, 57% less than the Kansas typical home ($246,055). Values changed +8.7% in the past year and +28.4% over five years. Homeowners here pay a median 1.95% of their home's value in property tax each year ($2,088 on the typical home), versus 1.24% statewide.
Mortgage on the typical Ness County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $21,397 | $85,588 | $576 | $0 | $228 | $803 | $34,400 |
| 10% down | $10,699 | $96,287 | $648 | $40 | $228 | $915 | $39,200 |
| 5% down | $5,349 | $101,636 | $684 | $42 | $228 | $954 | $40,900 |
| 3.5% down (FHA) | $3,744 | $105,047 | $707 | $47 | $228 | $982 | $42,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.95% 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 |
|---|---|---|---|
| Graham County | $106,776 | +5.1% | 1.83% |
| Greenwood County | $106,121 | +7.2% | 1.52% |
| Decatur County | $105,339 | +2.5% | 1.79% |
| Republic County | $108,996 | -3.8% | 1.79% |
| Neosho County | $109,150 | +4.1% | 1.47% |
| Stafford County | $104,776 | +8.1% | 1.59% |
| Pawnee County | $109,195 | +5.0% | 2.03% |
| Wilson County | $104,584 | +0.4% | 1.48% |
| 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 Ness County, KS?
The typical home value in Ness County is $106,985 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ness County?
About $34,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ness County?
The median effective rate is 1.95% of home value a year (Census ACS 2024 5-year estimates).