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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

Ozawkie, KS Housing Affordability Index

Ozawkie, Kansas has an MBR Housing Affordability Index score of 150.9 (Highly Affordable) as of October 30, 2026, ranking 388th most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $214,300 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,176, or 14% of the city’s $100,156 median household income.

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

Ozawkie MBR-HAI 150.9 Highly Affordable
Rank in Kansas 388 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 $214,300 U.S. Census Bureau

Ozawkie is 30.9 points above the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Ozawkie Mortgage Rates

See What You Can Afford in Ozawkie, Kansas

Use this Ozawkie, 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 Ozawkie median income of $100,156, with no other debts and $43,000 down, can afford a home of about $302,155, compared with a median home value of $214,300. Buying the median priced home with 20% down takes a household income of about $64,100 once property tax and insurance are counted.

Ozawkie median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Kansas average, 30-year fixed
Ozawkie median bill (Census)
Estimate; use your quote
You can afford a home up to
$302,155
At or above the Ozawkie median home value of $214,300
Loan amount$259,155
Principal & interest$1,778/mo
Property tax$325/mo
Home insurance$126/mo
PMI$108/mo
Total monthly payment$2,337/mo
Compare Ozawkie Mortgage Rates

How much house can you afford in Ozawkie?

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 Ozawkie, property taxes run about 1.29% 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 $4,950 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 Ozawkie

$1,176/mo
Principal & Interest
Median home, 20% down, 7.31%
$50,400
Income Needed
To keep principal and interest at 28% of income
$100,156
Median Household Income
Kansas: $74,275
2.1x
Price-to-Income Ratio
Kansas: 2.9x
$1,125/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,755/yr
Median Property Tax
1.29% of median value
14.3%
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 Ozawkie, Kansas. The rate is the Kansas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Ozawkie Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ozawkie, Kansas score: 150.9 (Highly Affordable), ranked 388 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/ozawkie”