Liberal, KS home prices
Typical home $147,222 · +1.7% in a year · income needed $45,900
The Liberal, KS metro area ranks 814 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.7% in a year and +8.3% over five years. With 20% down at 7.11%, the typical home costs about $1,071 a month including 1.67% property tax (Seward County rate).
Mortgage on the typical Liberal home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,444 | $117,778 | $792 | $0 | $279 | $1,071 | $45,900 |
| 10% down | $14,722 | $132,500 | $891 | $55 | $279 | $1,225 | $52,500 |
| 5% down | $7,361 | $139,861 | $941 | $58 | $279 | $1,278 | $54,800 |
| 3.5% down (FHA) | $5,153 | $144,556 | $972 | $65 | $279 | $1,316 | $56,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.67% 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 Liberal area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Seward County, KS | $147,226 | +1.7% | 1.67% |
What can you afford in Kansas on your salary? · Kansas home prices · Salaries in Kansas
Frequently asked questions
How much is a house in Liberal?
The typical home in the Liberal, KS metro area is worth $147,222 (Zillow, September 2026).
What salary do you need to buy a house in Liberal?
About $45,900 a year for the typical home with 20% down at 7.11%.