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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Garden Plain, KS Housing Affordability Index

Garden Plain, Kansas has an MBR Housing Affordability Index score of 118.1 (More Affordable Than Average) as of October 30, 2026, ranking 501st most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $258,300 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,418, or 20% of the city’s $85,455 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Garden Plain is updated every night from live Kansas mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Garden Plain MBR-HAI 118.1 More Affordable Than Average
Rank in Kansas 501 of 542 1 = most affordable
Kansas 120.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Kansas lenders
Median home value $258,300 U.S. Census Bureau

Garden Plain is 1.9 points below the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Garden Plain Mortgage Rates

What It Takes to Buy in Garden Plain

$1,418/mo
Principal & Interest
Median home, 20% down, 7.31%
$60,800
Income Needed
To keep the payment at 28% of income
$85,455
Median Household Income
Kansas: $74,275
3.0x
Price-to-Income Ratio
Kansas: 2.9x
$1,479/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,528/yr
Median Property Tax
1.37% of median value
14.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Garden Plain, Kansas. The rate is the Kansas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Garden Plain Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Garden Plain, Kansas score: 118.1 (More Affordable Than Average), ranked 501 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/garden-plain”