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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

Onaga, KS Housing Affordability Index

Onaga, Kansas has an MBR Housing Affordability Index score of 152.3 (Highly Affordable) as of October 30, 2026, ranking 382nd most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $116,200 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $638, or 15% of the city’s $49,444 median household income.

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

Onaga MBR-HAI 152.3 Highly Affordable
Rank in Kansas 382 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 $116,200 U.S. Census Bureau

Onaga is 32.3 points above the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Onaga Mortgage Rates

See What You Can Afford in Onaga, Kansas

Use this Onaga, Kansas home affordability calculator to see how much house you can afford at today’s Kansas average 30-year mortgage rate of 7.31%. A household earning the Onaga median income of $49,444, with no other debts and $23,000 down, can afford a home of about $152,961, compared with a median home value of $116,200. Buying the median priced home with 20% down takes a household income of about $34,100 once property tax and insurance are counted.

Onaga median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Kansas average, 30-year fixed
Onaga median bill (Census)
Estimate; use your quote
You can afford a home up to
$152,961
At or above the Onaga median home value of $116,200
Loan amount$129,961
Principal & interest$892/mo
Property tax$144/mo
Home insurance$64/mo
PMI$54/mo
Total monthly payment$1,154/mo
Compare Onaga Mortgage Rates

How much house can you afford in Onaga?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Onaga, property taxes run about 1.13% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $2,520 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Onaga

$638/mo
Principal & Interest
Median home, 20% down, 7.31%
$27,300
Income Needed
To keep principal and interest at 28% of income
$49,444
Median Household Income
Kansas: $74,275
2.4x
Price-to-Income Ratio
Kansas: 2.9x
$820/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,315/yr
Median Property Tax
1.13% of median value
10.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Onaga Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Onaga, Kansas score: 152.3 (Highly Affordable), ranked 382 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/onaga”