Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$176,212+7.3% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 32% have cut their price
Income needed to buy, per year$38,199About 0.6× the local median income ($67,597): affordable for a typical household
Days on market74 daysSlower than a year ago: buyers have time to negotiate
The typical home in Ottawa County, KS is worth $176,212, up 7.3% from a year ago. That is well above what local incomes have historically supported: fair value is about $143,202, so the area is 23.1% overvalued. It is a balanced market, leaning toward buyers: homes take about 74 days to sell, listings are up 41% from a year ago, 32% of listings have had a price cut. A household needs about $38,199 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $67,597. In the latest IRS figures, 53 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$176,212
Change in 1 year
+7.3%
Overvalued %
+23.1%
Show 6 more
Fair home value
$143,202
Change in 5 years
+34.7%
Home value to income
2.6×
Monthly mortgage payment (20% down)
$955
Income needed to afford it
$38,199
Property tax rate
1.66%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$987
Market activity
Listings vs a year ago
+41.2%
Days on market
74
Listings with a price cut
32.4%
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Homes for sale
24
Pending sales per 100 listings
33
Asking price per sq ft
$106
People and jobs
Median household income
$67,597
Population change (1 year)
−1.1%
Unemployment rate
2.9%
Show 4 more
Population
5,744
Income adjusted for cost of living
$78,693
Net moves in (IRS)
+53
Cost of living (US = 100)
85.9
Schools, risk and environment
School rating (1 to 10)
7.0
FEMA hazard risk score (0 to 100)
16.9
Flood risk score
24.0
Show 3 more
Wildfire risk score
72.6
Walkability (1 to 20)
5.3
Road, rail and air noise
53 dB
Questions people ask
Is Ottawa County, KS overvalued?
Home prices in Ottawa County, KS are well above what local incomes have historically supported: fair value is about $143,202, so the area is 23.1% overvalued.
Is Ottawa County, KS a buyer's or seller's market?
Ottawa County, KS is a balanced market, leaning toward buyers: homes take about 74 days to sell, listings are up 41% from a year ago, 32% of listings have had a price cut.
Are home prices going down in Ottawa County, KS?
Home values in Ottawa County, KS are up 7.3% over the last year.
How much do you need to earn to buy a home in Ottawa County, KS?
A household needs about $38,199 a year to afford the typical home in Ottawa County, KS at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $67,597.