Mortgage payment estimates, closing cost breakdowns, and homebuying data for Garden City, Kansas.
Pre-filled with Garden City median home price and Kansas tax/insurance rates. Adjust for your property.
Estimated closing costs based on Kansas rates and fees applied to Garden City prices.
The median home price in Garden City is $175,000, 22% below the Kansas state median of $225,000. With a population of 28,310, Garden City is a smaller market where home prices tend to be more accessible than in many parts of Kansas.
Property taxes in Kansas average 1.41% annually. This moderate property tax rate means a $175,000 home in Garden City would carry roughly $206/month in property taxes. Homeowners insurance in Kansas runs approximately $2,900 per year. This is within the normal range nationally.
Average rent in Garden City is $850/month. The price-to-rent ratio in Garden City is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Garden City offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Kansas's KHRC First-Time Homebuyer program.