Montgomery County, KS Average Home Price (2026)
The average home price in Montgomery County, Kansas is about $104,000 (the 2026 median across 8 ZIP codes, at ~$87/sq ft) — 42% more affordable than the Kansas median and 64% more affordable than the typical U.S. home.
How Montgomery County compares
Montgomery County is relatively affordable for housing nationally: its typical home costs $104,000 against $178,000 for Kansas and $289,000 for the U.S. Within the county, ZIP-level values run from about $69,000 to $196,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Montgomery County | $104,000 | $87 |
| Kansas | $178,000 | $118 |
| United States | $289,000 | $193 |
Montgomery County home prices by ZIP code
The 8 most valuable ZIP codes in Montgomery County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 67344 Elk City | $196,000 | $165 | +88% |
| 67351 Liberty | $154,000 | $81 | +48% |
| 67301 Independence | $121,000 | $89 | +16% |
| 67335 Cherryvale | $114,000 | $84 | +10% |
| 67333 Caney | $94,000 | $101 | -10% |
| 67337 Coffeyville | $87,000 | $93 | -16% |
| 67364 Tyro | $86,000 | $45 | -17% |
| 67340 Dearing | $69,000 | $75 | -34% |
Home value appreciation in Montgomery County
Home prices in Montgomery County have risen about 54% over the last 10 years (≈4.4% a year) and +69.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.5% — still rising. A home worth $104,000 today was worth roughly $67,401 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Kansas is +83.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Montgomery County
Run the numbers for Montgomery County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Montgomery County
To buy the typical $104,000 home in Montgomery County with 20% down, you need a household income of roughly $28,000 a year (about $660 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $34,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $5,200 | $820/mo | $35,000/yr |
| 10% (+PMI) | $10,400 | $780/mo | $34,000/yr |
| 20% | $20,800 | $660/mo | $28,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Montgomery County
At about $87 per square foot, here is roughly how much home different budgets get you in Montgomery County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1720 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 2300 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2870 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3450 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Kansas.
Estimate a specific home in Montgomery County
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Montgomery County home prices: frequently asked
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Browse all Kansas cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.