Mortgage Calculator & Closing Costs: Dodge City, KS
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Dodge City, Kansas.
Median Home Price
$165K
Population
28K
Avg Monthly Rent
$820
Property Tax Rate
1.41% *
* Property tax shown is the Kansas state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Dodge City.
Dodge City vs Kansas Median
The median home price in Dodge City is $165,000, which is 27% below the Kansas state median of $225,000.
Mortgage Calculator — Dodge City, KS
Pre-filled with Dodge City median home price and Kansas tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $165K home using Kansas's 1.41% tax rate and $2,900/yr insurance.
5% Down
$1,518/mo
Down: $8,250
Loan: $157K
P&I: $991
Tax: $194
Insurance: $242
PMI: $91
10% Down
$1,461/mo
Down: $16,500
Loan: $149K
P&I: $939
Tax: $194
Insurance: $242
PMI: $87
20% Down (No PMI)
$1,270/mo
Down: $33,000
Loan: $132K
P&I: $834
Tax: $194
Insurance: $242
Income needed (28% rule): $54K/year with 20% down, $63K/year with 10% down.
Rent vs Buy in Dodge City
Rent
$820/mo
vs
Buy (10% down)
$1,461/mo
Price-to-rent ratio: 16.8 — A ratio between 15-20 means the rent vs buy decision in Dodge City depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Dodge City is $165,000, 27% below the Kansas state median of $225,000. With a population of 27,720, Dodge 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 $165,000 home in Dodge City would carry roughly $194/month in property taxes. Homeowners insurance in Kansas runs approximately $2,900 per year. This is within the normal range nationally.
Average rent in Dodge City is $820/month. The price-to-rent ratio in Dodge City is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Dodge 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.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Dodge City.