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Hartford city, KS

ZIP 66854 — 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 66854

Median Home Value
$84,700
Median Rent
$421
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$544/mo PITI).

6%
Rent-to-Income Ratio

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

1.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.8 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 66854 in Hartford city, KS, a household would need roughly $23,000 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 $544. That sits below the local median household income ($83,646), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
75.7%-13% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
4.8%-30% vs US avg
x
Rent Burden >30%
6.2%-88% vs US avg
x
Mortgage-Free
51.1%+34% vs US avg
x
$84,700
Home Value
$421
Rent
1977
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached69.9%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.5%
  • Mobile home & other28.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$84,700
Median rent$421
Owner-occupied80.9%
Vacant13.0%
Price-to-income1.0x
Est. income to buy$23,000