Hays, KS home prices
Typical home $243,356 · +3.1% in a year · income needed $72,100
The Hays, KS metro area ranks 476 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +26.3% over five years. With 20% down at 7.11%, the typical home costs about $1,683 a month including 1.24% property tax (Ellis County rate).
Mortgage on the typical Hays home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,671 | $194,685 | $1,310 | $0 | $373 | $1,683 | $72,100 |
| 10% down | $24,336 | $219,020 | $1,473 | $91 | $373 | $1,938 | $83,000 |
| 5% down | $12,168 | $231,188 | $1,555 | $96 | $373 | $2,025 | $86,800 |
| 3.5% down (FHA) | $8,517 | $238,948 | $1,607 | $108 | $373 | $2,088 | $89,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.24% 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 Hays area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ellis County, KS | $243,316 | +3.1% | 1.24% |
What can you afford in Kansas on your salary? · Kansas home prices · Salaries in Kansas
Frequently asked questions
How much is a house in Hays?
The typical home in the Hays, KS metro area is worth $243,356 (Zillow, September 2026).
What salary do you need to buy a house in Hays?
About $72,100 a year for the typical home with 20% down at 7.11%.