Garden City, KS home prices
Typical home $229,038 · -1.7% in a year · income needed $69,500
The Garden City, KS metro area ranks 524 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.7% in a year and +17.4% over five years. With 20% down at 7.11%, the typical home costs about $1,622 a month including 1.44% property tax (Finney County rate).
Mortgage on the typical Garden City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,808 | $183,230 | $1,233 | $0 | $389 | $1,622 | $69,500 |
| 10% down | $22,904 | $206,134 | $1,387 | $86 | $389 | $1,862 | $79,800 |
| 5% down | $11,452 | $217,586 | $1,464 | $91 | $389 | $1,944 | $83,300 |
| 3.5% down (FHA) | $8,016 | $224,889 | $1,513 | $101 | $389 | $2,003 | $85,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.44% 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 Garden City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Finney County, KS | $233,147 | -1.9% | 1.44% |
| Kearny County, KS | $189,811 | +2.9% | 1.05% |
What can you afford in Kansas on your salary? · Kansas home prices · Salaries in Kansas
Frequently asked questions
How much is a house in Garden City?
The typical home in the Garden City, KS metro area is worth $229,038 (Zillow, September 2026).
What salary do you need to buy a house in Garden City?
About $69,500 a year for the typical home with 20% down at 7.11%.