Cost of Living in Phillips County, Kansas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Phillips County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Phillips County ranks #690 of 3,144 counties for affordability (top 22%)
Data Story
About Cost of Living in Phillips County, Kansas
Phillips offers rare Kansas affordability bargain
Phillips County residents spend just 12.2% of income on rent—well below the 30% affordability threshold and notably better than Kansas's 14.7% state average. Despite a median household income of $61,235, which trails the national median of $74,755, Phillips delivers some of the best housing value in the state.
Among Kansas's most affordable counties
Phillips County ranks as one of Kansas's most affordable housing markets, with a rent-to-income ratio that beats the state average by 2.5 percentage points. Its $621 monthly rent is the lowest among the counties in this region, attracting budget-conscious renters.
Lowest rents in the comparison set
Phillips County's $621 rent significantly undercuts all neighboring counties in this analysis, from Pawnee ($806) to Republic ($638). Owner costs of $690 also rank among the region's most affordable, making Phillips a standout value play.
Rent-friendly with low home values
Renters in Phillips County dedicate about $621 monthly to housing, while homeowners invest $690 per month on ownership costs with median home values of $94,700. Both pathways consume well under 15% of the median household income, leaving more room in household budgets.
Remote workers should explore Phillips
If housing costs are your biggest relocation concern, Phillips County delivers exceptional affordability combined with lower income requirements than most U.S. counties. Pair it with remote work income and you'll find extraordinary financial breathing room.
Cost of Living Advisory: Phillips County
Affordability Verdict
Housing in Phillips County is affordable. The median rent is $621/month against a median household income of $61,235, putting rent at 12.2% of income.
Rent vs. Own
The median rent in Phillips County is $621/month, while owner costs run $690/month. Renting saves approximately $69/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $24,840/year. For owner costs at the 28% rule, the required income is roughly $29,571/year. With a median household income of $61,235, most households can comfortably afford rent here. Notably, 25.0% of renter households in Phillips County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Phillips County sits 8% less expensive than Comanche County ($672/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Phillips County
Rent Burden
12.2%
of gross income
Max Housing (28% Rule)
$1,429
per month
Owner Cost Burden
13.5%
of gross income
You can likely afford the median home in Phillips County
Median home value is $94,700. Estimated monthly cost: $756 vs. your max of $1,429.
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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