Income needed to buy a home
Cherokee County, KS
$44,903
a year in household income to buy the typical Cherokee County home with 10% down.
The monthly math
Typical home value$131,203
Down payment (10%)$13,120
Loan$118,083
Principal and interest (7.40%)$818/mo
Property tax (1.05% a year)$115/mo
Homeowners insurance (estimate)$66/mo
Mortgage insurance$49/mo
Total monthly cost$1,048/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Within reach
The typical household here earns $57,668 a year, 28% more than it takes.
In Kansas
Cherokee County ranks #34 of 105 for the income a home takes, from least to most.
Easiest to afford in Kansas
| County | Typical home | Income needed |
|---|---|---|
| Edwards County | $86,805 | $30,102 |
| Chautauqua County | $91,437 | $31,114 |
| Clark County | $90,922 | $31,114 |
| Barber County | $94,133 | $33,258 |
| Rush County | $95,871 | $33,742 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.