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Ottawa Real Estate Market Facts

  • $95,700Median home price
    29% lower than Kansas
  • $754Median rent asked
    3% lower than Kansas
  • 61.2%Home owners
    8% lower than Kansas
  • 2.4People per home
    5% lower than Kansas
The above shows an overview of the real estate market in Ottawa, KS. Note how the median home price for Ottawa, KS runs $95,700, which is 29% lower than the average property price for Kansas. So you’re going to get real estate in Ottawa, KS that is on-average more affordable than what you’ll find in the rest of Kansas. As for rent, the median for Ottawa, KS runs $754, which is comparatively 3% lower than the average rent for Kansas. For Ottawa, KS, about 61.2% of the population consist of home owners with about 2.4 people living in each property on average. Whether you’re looking for condos or townhomes that are low-maintenance and affordable or sprawling mansions, Ottawa, KS offers a wide variety of real estate. To find your perfect home in Ottawa, KS, filter your choice by price, location, and number of beds and baths using the search area above.

Ottawa Home Affordability

  • $95,700Median home price
    29% lower than Kansas
  • $42,404Median home income
    21% lower than Kansas
  • 2.3xHome price to income ratio
    11% lower than Kansas
When deciding where to purchase Ottawa, KS real estate, home affordability is one of the top deciding factors. One way that you can calculate the affordability of your next home is to use this formula: median home price to median household income ratio. In Ottawa, KS the median home price is $95,700 and $42,404 is the median household income. As a result, the home price to income ratio in Ottawa, KS is 2.3x, which is 11% lower than the Kansas average. In order to determine the home affordability ratio, you would divide the median home price by the median home income. If you find that in Ottawa, KS the home price to income ratio is lower than average, that means that in general, housing is more affordable. While there more than just one factor in deciding home affordability, you can use the home affordability calculator below as an additional tool when deciding how much you can and should pay for real estate in Ottawa, KS.

Ottawa Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
When looking for real estate in Ottawa, KS, finding one that won't strain your budget is imperative. That's when the home affordability calculator comes in handy. It allows you to calculate the cost of a property in Ottawa, KS, not only by considering your income, but debts and down payment amounts as well. You can personalize the home affordability calculator even further by adding in additional factors like length of mortgage term, property taxes, home insurance costs, mortgage rate, and HOA dues. The calculator will come up with an estimated cost of home ownership and display an amount that would fit within your budget. Knowing this figure will help you find a home that you can afford in Ottawa, KS and keep you from looking at places that are out of financial reach. Therefore, you can avoid disappointment and emotional attachment to homes you would not be able to afford. Additionally, this tool allows you to balance your budget because it also calculates the amount of money left over for savings and other expenses.

Ottawa Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
If I buy a real estate in Ottawa, KS, what can I expect to pay monthly? There are a number of different factors that will go in to determining your monthly cost. While most people understand how significant the overall price of the house goes into determining the payment amount, it's also important to know that there are a variety of other variables to consider. These include things such as property taxes, private mortgage insurance (PMI), home owner's association dues, interest rate, and how much of a down payment has been made on the house. Understanding these is a great way to reduce overall payment. For example, you can reduce the private mortgage insurance by making a down payment of 20%. The mortgage calculator above will have all of these variables already filled out with default data, but you can customize it to give you a much more accurate reading. Generally speaking, you want to keep your debt to income ratio at about 36% when calculating your monthly house payment, which means paying no more than 36% of your monthly salary towards your housing and other debts.

Ottawa Demographics

  • 12,433Population
  • 1,261People / sq mile
  • 36.1Median age
  • 0.9:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Quenemo, KS321$31,30083%
Rantoul, KS129$65,00065%
Lane, KS290$69,90062%
Richmond, KS592$72,70061%
Williamsburg, KS361$76,90058%
Ottawa, KS12,433$95,70048%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
New Providence, NJ12,434$576,000212%
Powell, OH12,436$348,00088%
Winnetka, IL12,437$989,600436%
Elk City, OK12,426$151,20018%
Lakeland Highlands, FL12,426$193,9005%
Ottawa, KS12,433$95,70048%
Source: The Ottawa, KS housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).
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