Ottawa County, Kansas home prices
Typical home $176,212 · +7.3% in a year · property tax 1.66%
The typical home in Ottawa County is worth $176,212, 28% less than the Kansas typical home ($246,055). Values changed +7.3% in the past year and +34.7% over five years. Homeowners here pay a median 1.66% of their home's value in property tax each year ($2,930 on the typical home), versus 1.24% statewide.
Mortgage on the typical Ottawa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,242 | $140,970 | $948 | $0 | $332 | $1,281 | $54,900 |
| 10% down | $17,621 | $158,591 | $1,067 | $66 | $332 | $1,465 | $62,800 |
| 5% down | $8,811 | $167,402 | $1,126 | $70 | $332 | $1,528 | $65,500 |
| 3.5% down (FHA) | $6,167 | $173,021 | $1,164 | $78 | $332 | $1,574 | $67,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.66% 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 Salina metro area.
Kansas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Thomas County | $176,313 | +1.5% | 1.41% |
| Haskell County | $173,585 | -2.6% | 1.45% |
| Kingman County | $173,003 | +0.4% | 1.74% |
| Saline County | $179,682 | +4.7% | 1.31% |
| Linn County | $179,925 | +7.4% | 1.16% |
| Doniphan County | $171,952 | +10.5% | 1.07% |
| Clay County | $170,455 | +7.6% | 1.32% |
| Scott County | $183,996 | +2.4% | 1.65% |
| Dickinson County | $167,372 | +2.6% | 1.47% |
| Atchison County | $185,797 | +7.2% | 1.32% |
Frequently asked questions
What is the average home price in Ottawa County, KS?
The typical home value in Ottawa County is $176,212 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ottawa County?
About $54,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ottawa County?
The median effective rate is 1.66% of home value a year (Census ACS 2024 5-year estimates).