Cost of Living in Harvey County, Kansas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Harvey County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Harvey County ranks #2,530 of 3,144 counties for affordability (bottom 20%)
Data Story
About Cost of Living in Harvey County, Kansas
Harvey achieves national affordability balance
Harvey County's 14.6% rent-to-income ratio sits comfortably within the national 12-14% affordability zone, supported by solid incomes of $73,269 nearly matching the national average of $74,755. Renters dedicate roughly $10,800 annually to housing here.
Slightly above Kansas average performance
At 14.6%, Harvey County's rent-to-income ratio slightly exceeds Kansas's state average of 14.7%, placing it in the middle-to-upper tier of county affordability. Strong household incomes offset modestly higher rents, creating competitive housing markets.
Higher costs, stronger incomes
Harvey County's $891 monthly rent is the second-highest in the region, yet its $73,269 income is competitive with Grant ($72,484) and stronger than Hamilton ($61,929), yielding a balanced 14.6% ratio. Gray County ($833 rent, $77,885 income) offers slightly lower rent but similar affordability math.
Ownership carries premium in Harvey
Monthly homeowner costs ($1,047) exceed rent ($891) by $156, pushing ownership expenses to 17.1% of income—a significant jump from the 14.6% rent figure. Homes value at $173,300, reflecting Harvey's stronger real estate market and requiring stronger financial positioning for buyers.
Strong rental market for middle-income earners
Harvey County's 14.6% rent-to-income ratio makes it attractive for renters earning $70,000–$80,000 seeking moderate-priced housing without extreme constraints. If homeownership calls, prepare for the $1,047 monthly commitment and $173,300 entry price—significantly steeper than neighboring western counties.
Cost of Living Advisory: Harvey County
Affordability Verdict
Harvey County is affordable for renters, with a median gross rent of $891/month representing approximately 14.6% of median household income. The rent burden (GRAPI) stands at 24.0%.
Rent vs. Own
The median rent in Harvey County is $891/month, while owner costs run $1,047/month. Renting saves approximately $156/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $35,640/year. For owner costs at the 28% rule, the required income is roughly $44,871/year. With a median household income of $73,269, most households can comfortably afford rent here. Notably, 24.0% of renter households in Harvey County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Harvey County sits 6% more expensive than Crawford County ($837/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Harvey County
Rent Burden
14.6%
of gross income
Max Housing (28% Rule)
$1,710
per month
Owner Cost Burden
17.1%
of gross income
You can likely afford the median home in Harvey County
Median home value is $173,300. Estimated monthly cost: $1,384 vs. your max of $1,710.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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