Phillips County, Kansas home prices
Typical home $121,469 · +5.2% in a year · property tax 1.8%
The typical home in Phillips County is worth $121,469, 51% less than the Kansas typical home ($246,055). Values changed +5.2% in the past year and +28.2% over five years. Homeowners here pay a median 1.8% of their home's value in property tax each year ($2,188 on the typical home), versus 1.24% statewide.
Mortgage on the typical Phillips County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,294 | $97,175 | $654 | $0 | $243 | $897 | $38,400 |
| 10% down | $12,147 | $109,322 | $735 | $46 | $243 | $1,024 | $43,900 |
| 5% down | $6,073 | $115,395 | $776 | $48 | $243 | $1,067 | $45,700 |
| 3.5% down (FHA) | $4,251 | $119,268 | $802 | $54 | $243 | $1,099 | $47,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.8% 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 |
|---|---|---|---|
| Barton County | $120,046 | +8.6% | 1.68% |
| Rooks County | $120,006 | +2.9% | 1.93% |
| Meade County | $119,325 | +2.8% | 1.35% |
| Cloud County | $118,276 | +3.5% | 1.7% |
| Rice County | $117,458 | +8.6% | 1.52% |
| Cowley County | $125,551 | +5.0% | 1.65% |
| Rawlins County | $125,993 | +4.4% | 1.56% |
| Smith County | $116,435 | +4.0% | 1.83% |
| Russell County | $116,405 | +10.2% | 1.86% |
| Allen County | $116,299 | +1.9% | 1.67% |
Frequently asked questions
What is the average home price in Phillips County, KS?
The typical home value in Phillips County is $121,469 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Phillips County?
About $38,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Phillips County?
The median effective rate is 1.8% of home value a year (Census ACS 2024 5-year estimates).