MonitorBankRates
☰
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

Hardtner, KS Housing Affordability Index

Hardtner, Kansas has an MBR Housing Affordability Index score of 256.2 (Highly Affordable) as of October 30, 2026, ranking 91st most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $47,800 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $262, or 6% of the city’s $50,179 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Hardtner 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.

Hardtner MBR-HAI 256.2 Highly Affordable
Rank in Kansas 91 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 $47,800 U.S. Census Bureau

Hardtner is 136.2 points above the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Hardtner Mortgage Rates

What It Takes to Buy in Hardtner

$262/mo
Principal & Interest
Median home, 20% down, 7.31%
$11,200
Income Needed
To keep the payment at 28% of income
$50,179
Median Household Income
Kansas: $74,275
1.0x
Price-to-Income Ratio
Kansas: 2.9x
$483/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,777/yr
Median Property Tax
Kansas figure
16.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Hardtner Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Hardtner, Kansas score: 256.2 (Highly Affordable), ranked 91 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/hardtner”