Ottawa, KS home prices
Typical home $261,459 · +7.1% in a year · income needed $79,100
The Ottawa, KS metro area ranks 416 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +7.1% in a year and +39.2% over five years. With 20% down at 7.11%, the typical home costs about $1,846 a month including 1.41% property tax (Franklin County rate).
Mortgage on the typical Ottawa home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,292 | $209,167 | $1,407 | $0 | $439 | $1,846 | $79,100 |
| 10% down | $26,146 | $235,313 | $1,583 | $98 | $439 | $2,120 | $90,900 |
| 5% down | $13,073 | $248,386 | $1,671 | $103 | $439 | $2,213 | $94,900 |
| 3.5% down (FHA) | $9,151 | $256,723 | $1,727 | $116 | $439 | $2,281 | $97,800 |
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.
Counties in the Ottawa area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Franklin County, KS | $261,463 | +7.1% | 1.41% |
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Frequently asked questions
How much is a house in Ottawa?
The typical home in the Ottawa, KS metro area is worth $261,459 (Zillow, September 2026).
What salary do you need to buy a house in Ottawa?
About $79,100 a year for the typical home with 20% down at 7.11%.