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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Kansas residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Kansas, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Haysville, Kansas
- Payment to income ratio: 22.3%
- Median sale price: $200,974
- Median household income: $69,057
- Income needed to buy: $51,321
- Median monthly mortgage payment: $1,283
- See homes for sale in Haysville on

#2. Andover, Kansas
- Payment to income ratio: 24.2%
- Median sale price: $336,928
- Median household income: $106,676
- Income needed to buy: $86,039
- Median monthly mortgage payment: $2,151
- See homes for sale in Andover on

#3. Leavenworth, Kansas
- Payment to income ratio: 24.8%
- Median sale price: $230,328
- Median household income: $71,239
- Income needed to buy: $58,817
- Median monthly mortgage payment: $1,470
- See homes for sale in Leavenworth on

#4. Derby, Kansas
- Payment to income ratio: 25.8%
- Median sale price: $276,022
- Median household income: $82,089
- Income needed to buy: $70,486
- Median monthly mortgage payment: $1,762
- See homes for sale in Derby on

#5. Lansing, Kansas
- Payment to income ratio: 26.1%
- Median sale price: $343,735
- Median household income: $100,871
- Income needed to buy: $87,777
- Median monthly mortgage payment: $2,194
- See homes for sale in Lansing on

#6. Olathe, Kansas
- Payment to income ratio: 30.8%
- Median sale price: $450,873
- Median household income: $112,232
- Income needed to buy: $115,136
- Median monthly mortgage payment: $2,878
- See homes for sale in Olathe on

#7. Leawood, Kansas
- Payment to income ratio: 32.0%
- Median sale price: $771,990
- Median household income: $184,976
- Income needed to buy: $197,138
- Median monthly mortgage payment: $4,928
- See homes for sale in Leawood on

#8. Gardner, Kansas
- Payment to income ratio: 32.5%
- Median sale price: $392,949
- Median household income: $92,579
- Income needed to buy: $100,345
- Median monthly mortgage payment: $2,509
- See homes for sale in Gardner on

#9. Shawnee, Kansas
- Payment to income ratio: 32.8%
- Median sale price: $455,024
- Median household income: $106,312
- Income needed to buy: $116,196
- Median monthly mortgage payment: $2,905
- See homes for sale in Shawnee on

#10. Prairie Village, Kansas
- Payment to income ratio: 35.7%
- Median sale price: $502,320
- Median household income: $107,664
- Income needed to buy: $128,274
- Median monthly mortgage payment: $3,207
- See homes for sale in Prairie Village on

#11. Merriam, Kansas
- Payment to income ratio: 36.0%
- Median sale price: $336,780
- Median household income: $71,665
- Income needed to buy: $86,001
- Median monthly mortgage payment: $2,150
- See homes for sale in Merriam on

#12. Overland Park, Kansas
- Payment to income ratio: 39.4%
- Median sale price: $533,600
- Median household income: $103,838
- Income needed to buy: $136,262
- Median monthly mortgage payment: $3,407
- See homes for sale in Overland Park on

#13. Lenexa, Kansas
- Payment to income ratio: 41.4%
- Median sale price: $552,796
- Median household income: $102,344
- Income needed to buy: $141,163
- Median monthly mortgage payment: $3,529
- See homes for sale in Lenexa on