Osage County, Kansas home prices
Typical home $209,072 · +3.2% in a year · property tax 1.49%
The typical home in Osage County is worth $209,072, 15% less than the Kansas typical home ($246,055). Values changed +3.2% in the past year and +32.8% over five years. Homeowners here pay a median 1.49% of their home's value in property tax each year ($3,124 on the typical home), versus 1.24% statewide.
Mortgage on the typical Osage County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,814 | $167,258 | $1,125 | $0 | $365 | $1,490 | $63,900 |
| 10% down | $20,907 | $188,165 | $1,266 | $78 | $365 | $1,709 | $73,200 |
| 5% down | $10,454 | $198,619 | $1,336 | $83 | $365 | $1,784 | $76,400 |
| 3.5% down (FHA) | $7,318 | $205,285 | $1,381 | $92 | $365 | $1,838 | $78,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.49% 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 · part of the Topeka metro area.
Kansas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Geary County | $208,531 | -2.9% | 1.45% |
| Ford County | $206,809 | -3.2% | 1.52% |
| Wyandotte County | $206,653 | +2.6% | 1.46% |
| Shawnee County | $205,296 | -0.1% | 1.5% |
| McPherson County | $220,505 | +2.3% | 1.37% |
| Sheridan County | $222,416 | +8.8% | 1.49% |
| Sedgwick County | $223,622 | +2.6% | 1.21% |
| Morris County | $193,831 | +7.1% | 1.46% |
| Lyon County | $192,806 | +3.6% | 1.55% |
| Anderson County | $192,110 | +6.6% | 1.37% |
Frequently asked questions
What is the average home price in Osage County, KS?
The typical home value in Osage County is $209,072 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Osage County?
About $63,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Osage County?
The median effective rate is 1.49% of home value a year (Census ACS 2024 5-year estimates).