Topeka, KS home prices
Typical home $216,883 · +1.2% in a year · income needed $66,300
The Topeka, KS metro area ranks 580 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.2% in a year and +32.4% over five years. With 20% down at 7.11%, the typical home costs about $1,546 a month including 1.5% property tax (Shawnee County rate).
Mortgage on the typical Topeka home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $43,377 | $173,506 | $1,167 | $0 | $379 | $1,546 | $66,300 |
| 10% down | $21,688 | $195,194 | $1,313 | $81 | $379 | $1,773 | $76,000 |
| 5% down | $10,844 | $206,038 | $1,386 | $86 | $379 | $1,851 | $79,300 |
| 3.5% down (FHA) | $7,591 | $212,954 | $1,433 | $96 | $379 | $1,907 | $81,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.5% 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 Topeka area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Shawnee County, KS | $205,296 | -0.1% | 1.5% |
| Jefferson County, KS | $291,210 | +8.8% | 1.26% |
| Osage County, KS | $209,072 | +3.2% | 1.49% |
| Jackson County, KS | $255,117 | +5.5% | 1.14% |
| Wabaunsee County, KS | $252,635 | +0.9% | 1.28% |
What can you afford in Kansas on your salary? · Kansas home prices · Salaries in Kansas
Frequently asked questions
How much is a house in Topeka?
The typical home in the Topeka, KS metro area is worth $216,883 (Zillow, September 2026).
What salary do you need to buy a house in Topeka?
About $66,300 a year for the typical home with 20% down at 7.11%.