Smith County, Kansas home prices
Typical home $116,435 · +4.0% in a year · property tax 1.83%
The typical home in Smith County is worth $116,435, 53% less than the Kansas typical home ($246,055). Values changed +4.0% in the past year and +34.0% over five years. Homeowners here pay a median 1.83% of their home's value in property tax each year ($2,131 on the typical home), versus 1.24% statewide.
Mortgage on the typical Smith County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $23,287 | $93,148 | $627 | $0 | $236 | $862 | $37,000 |
| 10% down | $11,643 | $104,791 | $705 | $44 | $236 | $984 | $42,200 |
| 5% down | $5,822 | $110,613 | $744 | $46 | $236 | $1,026 | $44,000 |
| 3.5% down (FHA) | $4,075 | $114,326 | $769 | $51 | $236 | $1,056 | $45,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.83% 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 |
|---|---|---|---|
| Russell County | $116,405 | +10.2% | 1.86% |
| Allen County | $116,299 | +1.9% | 1.67% |
| Rice County | $117,458 | +8.6% | 1.52% |
| Cloud County | $118,276 | +3.5% | 1.7% |
| Meade County | $119,325 | +2.8% | 1.35% |
| Lane County | $113,388 | +10.7% | 1.32% |
| Norton County | $112,903 | -1.4% | 1.7% |
| Rooks County | $120,006 | +2.9% | 1.93% |
| Barton County | $120,046 | +8.6% | 1.68% |
| Phillips County | $121,469 | +5.2% | 1.8% |
Frequently asked questions
What is the average home price in Smith County, KS?
The typical home value in Smith County is $116,435 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Smith County?
About $37,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Smith County?
The median effective rate is 1.83% of home value a year (Census ACS 2024 5-year estimates).