Manhattan, KS mortgage & affordability calculator

The typical home in Manhattan, KS is worth about $290,000. With 20% down that's a loan near $232,000 — the calculator is pre-filled with that figure. Kansas State University makes Manhattan's rental market heavily student-driven, and Fort Riley just west of town adds steady military-family housing demand on top of that.

$1,506.29 / month

Total interest
$310,264
Total paid
$542,264
Payoff
30.0 years
Balance over YearBalance ends near $0 at 30.$0$58k$116k$174k$232k0612182430Year

How much you need to earn

Manhattan, KS's median household income is about $52,000 a year. Under standard 28/36 lending rules that supports a home price around $152,646 with 20% down — below the $290,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.

$152,606 max home price

Max loan amount
$94,606
Housing payment budget
$1,213
P&I budget
$614
Bound by
front-end ratio

Uses the 28% front-end / 36% back-end DTI guidelines. Lenders vary.

Typical asking rent in Manhattan, KS is about $1,150 a month, so owning the median home costs roughly $955 more per month before tax effects, maintenance, and any change in home value.

Frequently asked questions

What is a typical mortgage payment in Manhattan, KS?
On the metro's roughly $290,000 typical home with 20% down, the loan is about $232,000. Principal and interest run near $1,506 a month at today's rate, and Manhattan, KS's property tax plus insurance add about $599, for a full payment near $2,105.
Can I afford a home in Manhattan, KS on the median income?
The median household income is about $52,000 a year. Under standard 28/36 lending rules that supports a home price around $152,646 with 20% down — below the $290,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Manhattan, KS?
Typical asking rent is about $1,150 a month. The full owner payment on a median home is near $2,105, so owning costs roughly $955 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Manhattan, KS?
The effective property tax rate in the core county is about 1.34% of market value — roughly $3,886 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Manhattan, KS rising or falling?
Home values are up about 4% over the past year. Kansas State University makes Manhattan's rental market heavily student-driven, and Fort Riley just west of town adds steady military-family housing demand on top of that.

Nearby metros

← All Kansas mortgage figures

← All metro calculators