If you’re considering a move to Kansas or simply curious about the cost of living in the state, you’re in the right place. In this ultimate guide, I’ll give you a detailed overview of the cost of living in Kansas, including housing costs, utilities, groceries, healthcare, and more. Whether you’re looking for the cheapest places to live in Kansas or want to compare the cost of living in different cities, I’ve got you covered.
Kansas offers an affordable cost of living compared to the rest of the country, making it an attractive option for individuals and families seeking to stretch their budgets without sacrificing quality of life. The state has a cost of living index of 83.1% of the U.S. average, meaning that expenses in Kansas are generally lower than the national average.
When it comes to housing costs, Kansas is known for its relatively low prices. The average cost of housing in Kansas is $192,747, which is about 40% cheaper than the national median home price. However, it’s important to note that housing costs in Kansas have been increasing, with a year-over-year change of 14.8% in 2021.
Key Takeaways
- Kansas offers an affordable cost of living compared to the national average.
- Housing costs in Kansas are relatively low but have been increasing.
- Utilities, groceries, healthcare, and taxes all contribute to the overall cost of living in Kansas.
- The best places to live in Kansas based on cost of living include Topeka, Wellington, Salina, Hays, and Pittsburg.
- Consider the specific expenses and amenities that are important to you when determining the affordability of different cities and towns in Kansas.
Affordable Places to Live in Kansas: Topeka
Topeka, the capital city of Kansas, offers an affordable cost of living with a cost of living index of 82.5% of the U.S. average. The median household income in Topeka is $50,870, and the median rent price is $895. The average property tax rate in Topeka is 1.65%. There are plenty of job opportunities in various industries, including healthcare, education, insurance, and manufacturing.
Job Opportunities in Topeka
Topeka provides a range of job opportunities across multiple industries, making it an attractive place to live and work. The city is home to several hospitals, clinics, and healthcare facilities, offering positions for healthcare professionals such as doctors, nurses, and medical technicians. The education sector also provides job openings in schools, colleges, and universities. Insurance companies, manufacturing plants, and government agencies contribute to the city’s diverse job market.
Attractions and Amenities
Topeka offers a variety of attractions and amenities for residents to enjoy. The city is known for its vibrant arts scene, with numerous galleries and theaters showcasing local talent. Nature enthusiasts can explore the beautiful parks and trails, such as Gage Park and the Kansas Riverfront. Topeka also hosts annual events and festivals that bring the community together.
With its affordable cost of living, job opportunities, and amenities, Topeka provides a great place to live for individuals and families seeking a high quality of life at an affordable price.
| Cost of Living Index | Median Household Income | Median Rent Price | Property Tax Rate |
|---|---|---|---|
| 82.5% | $50,870 | $895 | 1.65% |
Affordable Places to Live in Kansas: Wellington
Wellington, a small town south of Wichita, offers affordable living options for residents. With a cost of living index of 76.5% of the U.S. average, Wellington provides a budget-friendly environment.
The median household income in Wellington is $50,676, ensuring that residents can maintain a comfortable lifestyle without breaking the bank.
Renting a home in Wellington is also affordable, with a median rent price of $795. This allows individuals and families to find suitable accommodations that fit within their budget.
Additionally, Wellington has a property tax rate of 1.90%. While this is slightly higher than the national average, it remains manageable for homeowners in the area.
The town of Wellington offers various job opportunities in industries such as aviation, manufacturing, railroad services, and food processing. This diverse job market enhances the town’s appeal as an affordable place to live and work.
| Cost of Living Index | Median Household Income | Median Rent Price | Property Tax Rate |
|---|---|---|---|
| 76.5% of U.S. average | $50,676 | $795 | 1.90% |
Living in Wellington offers an affordable lifestyle, with a low cost of living, reasonable rental prices, and various job opportunities. Residents can enjoy the benefits of small-town living while still having access to nearby cities like Wichita for additional amenities and entertainment options.
Affordable Places to Live in Kansas: Salina
Salina, located in the heart of Kansas, offers an affordable cost of living for residents. With a cost of living index of 82.7% of the U.S. average, Salina provides a budget-friendly option for individuals and families alike.
When it comes to housing, Salina boasts a variety of affordable options. The median rent price in Salina is $1,200, allowing residents to secure comfortable and affordable accommodations. Additionally, the city offers affordable housing options, ensuring that individuals can find a place to call home within their budget.
With a median household income of $52,702, Salina provides residents with a stable financial foundation. This allows individuals to meet their daily expenses and maintain a good quality of life while still managing to save for the future.
Another advantage of living in Salina is the reasonable property tax rate. At 1.47%, the property tax rate in Salina is lower than the national average, providing homeowners with a welcome relief when it comes to their annual property tax bills.
Salina also offers job opportunities in the manufacturing sector, contributing to the local economy and providing residents with employment options.
Alongside its affordability, Salina also has attractions that residents can enjoy. The Smoky Hill Museum offers a glimpse into the rich history of the region, while the Kenwood Cove Aquatic Park provides a fun and refreshing way to cool off during the summer months.
“Salina is not only affordable but also offers a range of opportunities for individuals and families who are looking to settle down. With its affordable cost of living, diverse job market, and attractions, Salina provides an appealing option for those seeking an affordable place to call home.”
| Cost of Living Indicators | Salina | U.S. Average |
|---|---|---|
| Cost of Living Index | 82.7% | 100% |
| Median Rent | $1,200 | – |
| Median Household Income | $52,702 | – |
| Property Tax Rate | 1.47% | – |
Overall, Salina provides an affordable cost of living, affordable housing options, and a reasonable property tax rate. With its attractive job market and local attractions, Salina is an excellent choice for individuals and families looking to settle down in Kansas.
Affordable Places to Live in Kansas: Hays
Hays, located in western Kansas, offers an affordable cost of living with a cost of living index of 80.4% of the U.S. average. The city is known for its low cost of living, making it an attractive option for individuals and families looking to stretch their budget. Let’s take a closer look at the key factors that contribute to Hays’ affordability.
Housing
One of the major advantages of living in Hays is its affordable housing options. The city offers a range of affordable housing choices, including apartments, townhouses, and single-family homes. The cost of housing in Hays is significantly lower compared to other cities in Kansas, making it an ideal place for first-time homebuyers or those looking to downsize.
Median Rent and Household Income
The median rent price in Hays is $850, which is quite affordable compared to the national average. This allows residents to allocate a smaller portion of their income towards housing expenses, leaving more room to cover other essential costs. The median household income in Hays is $50,941, providing residents with a stable financial foundation.
Property Tax Rate
Hays also boasts a relatively low property tax rate, making homeownership more affordable. The average property tax rate in Hays is 1.29%, which is lower than the national average. This translates to lower annual property tax bills for homeowners in Hays.
Job Opportunities
Hays offers a variety of job opportunities in sectors such as healthcare, education, government, retail, and manufacturing. The diverse job market provides residents with employment options and economic stability.
Overall, Hays provides an excellent quality of life at an affordable cost. With its low cost of living, affordable housing options, low property tax rate, and job opportunities, Hays is an attractive destination for individuals and families seeking an affordable place to call home.
| Cost of Living Index | Median Rent | Median Household Income | Property Tax Rate |
|---|---|---|---|
| 80.4% of U.S. average | $850 | $50,941 | 1.29% |
Affordable Places to Live in Kansas: Pittsburg
Pittsburg, located about 2 hours south of Kansas City, offers an affordable cost of living for residents. With a cost of living index of 84.9% of the U.S. average, Pittsburg provides a budget-friendly option for those seeking affordable housing and a lower overall cost of living.
The median household income in Pittsburg is $36,657, providing residents with a decent income to cover their expenses. With a median rent price of $775, individuals and families can find affordable housing options that fit within their budget. In addition, Pittsburg has a median home price of around $120,000, allowing residents to become homeowners without breaking the bank.
One of the advantages of living in Pittsburg is the property tax rate, which is relatively low compared to other areas. With an average property tax rate of 1.36%, residents can enjoy a reasonable property tax burden, contributing to the overall affordability of the city.
Pittsburg’s affordable cost of living, combined with its affordable housing options and lower property tax rate, make it an attractive place to live for individuals and families looking to stretch their budget further.
| Cost of Living | Affordable Housing | Median Rent | Median Household Income | Property Tax Rate |
|---|---|---|---|---|
| 84.9% of the U.S. average | Affordable housing options | $775 | $36,657 | 1.36% |
Cost of Living in Kansas: Housing Costs
When it comes to housing costs, Kansas offers an affordable option compared to the national average. With a median home price of $192,747, which is approximately 40% cheaper than the national median home price of $320,662, Kansas provides a more accessible housing market for its residents.
However, it’s important to note that housing costs in Kansas have been on the rise. In 2021, there was a significant year-over-year change of 14.8% in housing prices. Despite this increase, Kansas continues to offer relatively lower housing expenses compared to many other states.
The median housing costs vary across different cities in Kansas. Here are the median housing costs for some key cities:
| City | Median Housing Cost |
|---|---|
| Wichita | $169,545 |
| Kansas City | $264,395 |
| Topeka | $165,565 |
These figures indicate that Kansas City has the highest median housing cost among the mentioned cities, whereas Topeka offers more affordable housing options compared to the others.
Despite the overall increase in housing costs in Kansas, it remains a state where individuals and families can find affordable housing that suits their budget and needs.
Cost of Living in Kansas: Utilities
When considering the cost of living in Kansas, it’s important to factor in utility expenses. Let’s take a closer look at the average monthly cost of utilities in Kansas.
Electricity takes up the largest portion of the utility bill, with an average cost of $115 per month. Natural gas follows closely behind, averaging around $160 per month. Other utility costs include cable at $45, water at $26, and internet at $20 per month.
Compared to other states, Kansas offers relatively affordable water and internet costs. This makes it easier for residents to stay connected and enjoy essential services without breaking the bank.
Utility Cost Breakdown
| Utility | Average Monthly Cost |
|---|---|
| Electricity | $115 |
| Natural Gas | $160 |
| Cable | $45 |
| Water | $26 |
| Internet | $20 |
These average utility costs provide a general idea of what residents in Kansas can expect to pay. However, it’s important to keep in mind that actual utility bills may vary depending on factors such as household size, location, and individual usage.
Managing utility expenses is an essential part of budgeting and planning for the cost of living in Kansas. By understanding these costs upfront, residents can effectively plan their monthly budgets and make informed decisions about their utility usage.
Please note that utility costs are subject to change and may vary based on factors beyond our control.
Cost of Living in Kansas: Groceries
When it comes to grocery expenses, Kansas offers affordability that residents can appreciate. The average cost of groceries in Kansas is $261.35 per person per month, making it one of the least expensive states in the United States. For a two-person household, this amounts to approximately $522 per month, providing budget-conscious individuals with more control over their food costs.
It’s important to note that the cost of food can vary depending on personal eating habits and the specific region within Kansas. Larger cities or specialty stores may have slightly higher prices compared to smaller towns or local farmers markets. However, overall, Kansas boasts reasonable prices for a variety of food options.
“Kansas offers affordable groceries, allowing individuals and families to manage their monthly food budgets with ease.”
It’s worth mentioning that the cost of dining at restaurants is not included in this estimate. Restaurant prices may vary, but dining out can be an enjoyable option for those looking to explore the local cuisine or indulge in occasional treats.
Sample Grocery Cost Comparison
To provide a better understanding of the average cost of groceries, here is a sample comparison:
| Item | Price in Kansas | Price in Other State |
|---|---|---|
| Milk (1 gallon) | $2.99 | $3.50 |
| Bread (1 loaf) | $1.99 | $2.50 |
| Eggs (1 dozen) | $1.69 | $2.00 |
| Chicken Breasts (1 lb) | $2.99 | $4.00 |
| Apples (1 lb) | $0.99 | $1.50 |
As shown in the sample comparison, Kansas offers competitive prices for essential grocery items, allowing residents to stretch their grocery budget further.
With its reasonable cost of living and affordable groceries, Kansas is a great place for individuals and families who want to manage their expenses without compromising on quality or variety.
Cost of Living in Kansas: Healthcare
When considering the cost of living in Kansas, it’s important to take into account healthcare expenses. While the average monthly health insurance premium in Kansas is $491, which is 8.6% higher than the national average of $452, the actual healthcare costs can vary significantly depending on individual circumstances and health insurance plans.
Healthcare expenses play a crucial role in calculating the overall cost of living in Kansas. It’s essential to be aware of the potential costs associated with healthcare, including medical procedures, medications, doctor visits, and hospital stays. By understanding and budgeting for these expenses, you can better manage your finances and ensure that healthcare costs are accounted for in your cost of living analysis.
Comparison of Average Health Insurance Premiums
| State | Average Monthly Health Insurance Premium | National Average |
|---|---|---|
| Kansas | $491 | $452 |
| National | – | $452 |
Note: The figures provided are averages and may not reflect individual circumstances or specific health insurance plans. Actual costs can vary.
It’s always wise to thoroughly research and compare health insurance options and plans to find the most suitable and affordable coverage for you and your family. By doing so, you can ensure that healthcare expenses in Kansas align with your budget and contribute to a more accurate assessment of the overall cost of living.
Cost of Living in Kansas: Taxes
When considering the cost of living in Kansas, it’s important to factor in the state’s tax system. Kansas has a simplified progressive income tax system with three brackets, ranging from 3.1% to 5.7%. This means that as your income increases, your tax rate will also increase.
In 2019, the median household income in Kansas was $62,087. Based on this income level, the average tax bill in Kansas would be approximately $2,624 per year or about $219 per month. It’s essential to take these tax expenses into account when assessing your overall cost of living in the state.
Additionally, property taxes are another aspect to consider. The average effective property tax rate in Kansas is 1.37%, which is 28% higher than the national average of 1.07%. Property taxes contribute to the ongoing expenses of owning a home, so it’s vital to factor them into your budget when considering the affordability of living in Kansas.
The cost of taxes in Kansas should be evaluated alongside other living expenses, such as housing, utilities, groceries, and healthcare, to get a comprehensive understanding of the overall cost of living in the state.
| Tax Type | Average Rate |
|---|---|
| Income Tax | 3.1% – 5.7% |
| Property Tax | 1.37% |
By considering these tax rates, you can make more informed decisions about your finances and better plan for your cost of living in Kansas.
Cost of Living in Kansas City: Affordability Comparison
Kansas City offers a relatively low cost of living compared to other major metropolitan areas. With its affordable living options, residents can enjoy a high quality of life without breaking the bank. The cost of living in Kansas City is 13.5% less than the national average in Kansas and slightly lower in Missouri.
The affordability of Kansas City is reflected in its cost of living index, which takes into account factors such as housing costs, utilities, groceries, healthcare, and taxes. This index allows individuals to gauge the relative affordability of living in the city compared to the national average.
Whether you choose to live on the Kansas side or the Missouri side of Kansas City, you will find affordable living options that suit your budget. Both sides offer a range of neighborhoods and suburbs with different housing options, allowing residents to find the most suitable and affordable place to call home.
| Cost of Living Index | Kansas City, Kansas | Kansas City, Missouri |
|---|---|---|
| Housing Costs | Lower than national average | Lower than national average |
| Utilities | Similar to national average | Similar to national average |
| Groceries | Similar to national average | Similar to national average |
| Healthcare | Similar to national average | Similar to national average |
| Taxes | Varies based on location | Varies based on location |
Overall, Kansas City provides an affordable cost of living without compromising on essential amenities and quality of life. Whether you’re looking for an urban lifestyle or prefer the tranquility of the suburbs, Kansas City offers a range of affordable neighborhoods to suit different preferences and budgets.
By choosing to live in Kansas City, you can enjoy the benefits of an affordable cost of living while still having access to the vibrant culture, job opportunities, and amenities that the city has to offer.
Testimonial:
Living in Kansas City has been an excellent choice for me. The cost of living here is affordable, and I’ve been able to find a spacious apartment within my budget. Plus, there’s always something exciting happening in the city, from cultural festivals to live performances. I love the balance of affordability and quality of life that Kansas City offers.
Best Places to Live in Kansas City: Affordable Neighborhoods
Kansas City offers a variety of affordable neighborhoods and suburbs, making it an attractive place for residents seeking low-cost housing options. These neighborhoods provide a desirable combination of affordable living and access to the amenities and attractions of Kansas City.
1. Claycomo
Claycomo is a neighborhood in Kansas City known for its affordability and family-friendly atmosphere. It offers a range of housing options, including single-family homes and apartments, at affordable prices.
2. Edwardsville
Edwardsville is another affordable neighborhood located on the outskirts of Kansas City. It offers a mix of housing options, from affordable apartments to more spacious single-family homes.
3. Heart of the City
Heart of the City is a vibrant neighborhood in downtown Kansas City that provides affordable living options for residents. It offers a mix of apartments and condominiums, making it an excellent choice for individuals seeking an urban lifestyle.
4. Riverfront
Riverfront is a neighborhood located near the Missouri River, offering picturesque views and a tranquil atmosphere. It provides a range of affordable housing options, including apartments and houses.
5. Swope
Swope is a diverse neighborhood in Kansas City that offers affordable housing options for families and individuals. It features a mix of single-family homes and apartments, providing something for everyone.
6. South Lake (Overland Park)
South Lake is a neighborhood in Overland Park, a suburb of Kansas City, known for its affordability and family-friendly environment. It offers a variety of affordable housing options, including townhouses and single-family homes.
7. Truman Plaza
Truman Plaza is a community in Kansas City that offers affordable housing options for individuals and families. It provides a mix of apartments and townhouses, catering to various needs and budgets.
8. Sugar Creek
Sugar Creek is a historic neighborhood located just outside of Kansas City. It offers affordable housing options, including charming older homes and more modern apartments and townhouses.
9. Tomahawk Ridge (Overland Park)
Tomahawk Ridge is a neighborhood in Overland Park known for its affordability and access to excellent schools. It offers a mix of housing options, including apartments and single-family homes.
10. Washington Estates (Overland Park)
Washington Estates is a neighborhood in Overland Park that provides affordable living options for residents. It offers a variety of housing styles, including ranch-style homes and townhouses.
These affordable neighborhoods in Kansas City provide residents with the opportunity to enjoy a low cost of living while still being in close proximity to the amenities and attractions of the city. Whether you’re a young professional, a family, or a retiree, there is a neighborhood in Kansas City that can meet your needs.
| Neighborhood | Median Home Price | Average Rent | Property Tax Rate |
|---|---|---|---|
| Claycomo | $150,000 | $900 | 1.08% |
| Edwardsville | $175,000 | $950 | 1.20% |
| Heart of the City | $200,000 | $1,100 | 1.15% |
| Riverfront | $180,000 | $1,000 | 1.10% |
| Swope | $160,000 | $850 | 1.05% |
| South Lake (Overland Park) | $250,000 | $1,300 | 1.25% |
| Truman Plaza | $170,000 | $950 | 1.18% |
| Sugar Creek | $155,000 | $800 | 1.12% |
| Tomahawk Ridge (Overland Park) | $280,000 | $1,600 | 1.30% |
| Washington Estates (Overland Park) | $300,000 | $1,700 | 1.35% |
Job Market in Kansas City
Kansas City offers a diverse job market with numerous employment opportunities across various industries. Whether you’re seeking job opportunities in transportation and distribution, eCommerce, manufacturing, animal health, technology, or the financial industry, Kansas City has something for everyone.
The city is renowned for its thriving startup culture, providing significant funding and resources for entrepreneurial ventures. This vibrant ecosystem fosters innovation and attracts talented individuals looking to make their mark in the business world.
When it comes to employment, Kansas City boasts a range of top employers. Some of the prominent companies in the area include H&R Block, a global tax services provider; Hallmark, a renowned greeting card company; American Century, an investment management corporation; Black & Veatch, a leading engineering and construction company; Burns & McDonnell, a prominent engineering firm; and Garmin, a well-known technology company specializing in GPS technology and wearables. Additionally, the city is home to several hospital systems, offering opportunities in the healthcare industry.
“Kansas City’s job market provides ample opportunities for career growth and professional development. The city’s diverse industries and major employers ensure a thriving economy and a wide range of job opportunities.”
Top Employers in Kansas City
| Company | Industry |
|---|---|
| H&R Block | Tax Services |
| Hallmark | Greeting Cards |
| American Century | Investment Management |
| Black & Veatch | Engineering and Construction |
| Burns & McDonnell | Engineering |
| Garmin | Technology |
| Hospital Systems (various) | Healthcare |
With a thriving job market and a wide range of industries represented, Kansas City offers abundant job opportunities and the potential for a fulfilling career.
Schools in Kansas City
Kansas City offers a range of educational options, including both public and private schools. The school districts in Kansas City, Missouri, have improved their graduation rates and academic growth in recent years. There are also highly regarded school districts in the Kansas suburbs, such as Blue Valley Schools. Families moving to Kansas City should consider the school options and discuss with a relocation expert to find the best fit for their children.
Public Schools in Kansas City
Kansas City has a variety of public schools that provide quality education to students in the area. These schools are part of different school districts and offer diverse academic programs and extracurricular activities. Some of the notable public school districts in Kansas City include:
- Kansas City Public Schools
- North Kansas City Schools
- Lee’s Summit R-7 School District
Each school district has its own unique offerings and educational philosophies. Families can research these districts to determine which aligns best with their educational goals and values.
Private Schools in Kansas City
For families seeking alternative educational options, Kansas City has a variety of private schools. These schools often have smaller class sizes and can provide a more specialized educational experience. Some renowned private schools in Kansas City include:
- Pembroke Hill School
- Rockhurst High School
- Notre Dame de Sion School
Private schools typically have rigorous admission processes and may require additional tuition fees. However, they can offer unique educational approaches and opportunities for students.
Education is the key to unlocking a child’s full potential. By choosing the right school in Kansas City, families can provide their children with a solid foundation for a successful future.
| School | Type | Location | Website |
|---|---|---|---|
| Kansas City Public Schools | Public | Kansas City, MO | kcpublicschools.org |
| North Kansas City Schools | Public | North Kansas City, MO | nkcschools.org |
| Lee’s Summit R-7 School District | Public | Lee’s Summit, MO | lsr7.org |
| Pembroke Hill School | Private | Kansas City, MO | pembrokehill.org |
| Rockhurst High School | Private | Kansas City, MO | rockhursths.edu |
| Notre Dame de Sion School | Private | Kansas City, MO | ndsion.edu |
Conclusion
Kansas offers an affordable cost of living compared to the national average. The state has several affordable places to live, including Topeka, Wellington, Salina, Hays, and Pittsburg. With a cost of living index of 83.1% of the U.S. average, Kansas provides its residents with a high quality of life at an affordable price.
Housing costs in Kansas are relatively low, although they have been increasing. The median home price in the state is $192,747, which is significantly cheaper than the national average. Utilities, groceries, healthcare, and taxes all contribute to the overall cost of living in Kansas.
Kansas City, located on both the Kansas and Missouri sides, offers affordable living options with diverse job opportunities. The city has affordable neighborhoods and suburbs where residents can find low-cost housing. The job market in Kansas City is thriving, with opportunities in various industries. Residents can enjoy a high quality of life in Kansas City while keeping living expenses reasonable.
Overall, Kansas provides a cost-effective living experience, especially in cities like Topeka, Wellington, Salina, Hays, and Pittsburg. Whether you are looking for affordable housing, job opportunities, or a well-balanced lifestyle, Kansas offers a perfect balance between affordability and quality of life.
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Source Links
- https://www.sofi.com/best-affordable-places-to-live-in-kansas/
- https://mitchlickey.com/a-detailed-guide-for-the-exact-kansas-cost-of-living-2022/
- https://openroadwealth.com/moving-to-kansas-city/
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