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Hoyt city, KS

ZIP 66440 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 66440

Median Home Value
$207,000
Median Rent
$711
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,330/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 66440 in Hoyt city, KS, a household would need roughly $57,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,330. That sits below the local median household income ($77,344), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
87.6%+34% vs US avg
x
Vacancy Rate
9.1%-11% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.4%-71% vs US avg
x
Mortgage-Free
38.9%+2% vs US avg
x
$207,000
Home Value
$711
Rent
1984
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached93.2%
  • 1-unit attached0.0%
  • 2-9 units4.9%
  • 10+ units0.0%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$207,000
Median rent$711
Owner-occupied87.6%
Vacant9.1%
Price-to-income2.7x
Est. income to buy$57,000