Emporia, KS home prices
Typical home $190,586 · +3.4% in a year · income needed $58,600
The Emporia, KS metro area ranks 677 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.4% in a year and +26.1% over five years. With 20% down at 7.11%, the typical home costs about $1,368 a month including 1.55% property tax (Lyon County rate).
Mortgage on the typical Emporia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,117 | $152,469 | $1,026 | $0 | $342 | $1,368 | $58,600 |
| 10% down | $19,059 | $171,527 | $1,154 | $71 | $342 | $1,568 | $67,200 |
| 5% down | $9,529 | $181,057 | $1,218 | $75 | $342 | $1,636 | $70,100 |
| 3.5% down (FHA) | $6,671 | $187,134 | $1,259 | $84 | $342 | $1,685 | $72,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.55% 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.
Counties in the Emporia area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lyon County, KS | $192,806 | +3.6% | 1.55% |
| Chase County, KS | $164,690 | +3.9% | 1.37% |
What can you afford in Kansas on your salary? · Kansas home prices · Salaries in Kansas
Frequently asked questions
How much is a house in Emporia?
The typical home in the Emporia, KS metro area is worth $190,586 (Zillow, September 2026).
What salary do you need to buy a house in Emporia?
About $58,600 a year for the typical home with 20% down at 7.11%.