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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

Smith Center, KS Housing Affordability Index

Smith Center, Kansas has an MBR Housing Affordability Index score of 181.7 (Highly Affordable) as of October 30, 2026, ranking 278th most affordable of 542 scored Kansas cities, compared with 120.0 statewide and 97.4 nationally. On a median-priced $90,400 home with 20% down, the Kansas average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $496, or 11% of the city’s $56,007 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Smith Center 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.

Smith Center MBR-HAI 181.7 Highly Affordable
Rank in Kansas 278 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 $90,400 U.S. Census Bureau

Smith Center is 61.6 points above the Kansas score. Scores as of October 30, 2026. See the Kansas index

View Smith Center Mortgage Rates

What It Takes to Buy in Smith Center

$496/mo
Principal & Interest
Median home, 20% down, 7.31%
$21,300
Income Needed
To keep the payment at 28% of income
$56,007
Median Household Income
Kansas: $74,275
1.6x
Price-to-Income Ratio
Kansas: 2.9x
$727/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,899/yr
Median Property Tax
2.10% of median value
10.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
56.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Smith Center Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Smith Center, Kansas score: 181.7 (Highly Affordable), ranked 278 of 542 Kansas cities. monitorbankrates.com/housing-affordability-index/kansas/smith-center”