Thomas County, Kansas home prices
Typical home $176,313 · +1.5% in a year · property tax 1.41%
The typical home in Thomas County is worth $176,313, 28% less than the Kansas typical home ($246,055). Values changed +1.5% in the past year and +22.5% over five years. Homeowners here pay a median 1.41% of their home's value in property tax each year ($2,491 on the typical home), versus 1.24% statewide.
Mortgage on the typical Thomas County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,263 | $141,050 | $949 | $0 | $296 | $1,245 | $53,300 |
| 10% down | $17,631 | $158,682 | $1,067 | $66 | $296 | $1,429 | $61,300 |
| 5% down | $8,816 | $167,497 | $1,127 | $70 | $296 | $1,492 | $64,000 |
| 3.5% down (FHA) | $6,171 | $173,119 | $1,165 | $78 | $296 | $1,538 | $65,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.41% 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 |
|---|---|---|---|
| Ottawa County | $176,212 | +7.3% | 1.66% |
| 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 Thomas County, KS?
The typical home value in Thomas County is $176,313 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Thomas County?
About $53,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Thomas County?
The median effective rate is 1.41% of home value a year (Census ACS 2024 5-year estimates).