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Market MapKansasGeary

Geary County

KansasPopulation: 36,247
64
/100
Hold
#271 of 1,000 counties
#63 in Kansas (105 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated July 20, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$212,632
Median Home Price
7% below national median
$1,261/mo
Median Rent
13% below national median
7.12%
Rent-to-Price Ratio
Top 23% nationally
-$294
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Scenario comparison

Same $1,261/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.
ScenarioPurchase priceMonthly cash flowCap rateCash-on-cash
75% of median
value-add or distressed
$159,474-$16/mo6.2%-0.5%
Median
typical MLS deal
$212,632-$294/mo4.6%-7.2%
125% of median
newer / premium
$265,790-$573/mo3.7%-11.3%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$212,632
Down Payment (20%)$42,526
Loan Amount$170,106
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,261
Monthly P&I-$1,115
Est. Expenses (35%)-$441
Net Cash Flow-$294/mo
4.6%
Cap Rate (all cash)
-7.2%
Cash-on-Cash Return
7.12%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.6% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
64/100
64
Cash Flow(30%)
71/100

Based on 7.12% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
53/100

Based on 0.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
84/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (7.12%)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$294/mo)
  • -Negative leverage (cap rate 4.6% < mortgage rate 6.9%)

Economic Indicators

Population
36,247
Median Income
—
Data pending
Unemployment Rate
—
Data pending
Price-to-Income
—
Data pending

Who this market fits

Best for
  • +All-cash buyers: removing debt service flips the cap rate to actual yield
  • +Value-add operators who can buy below median and force rent up
Skip if
  • −You need positive cash flow on day one at typical leverage
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
RileyKS
65$261,211$1,3396.15%BuyView
JewellKS
65$107,843Est. pending—BuyView
McPhersonKS
65$225,352$1,0045.35%BuyView
CurrentGearyKS
64$212,632$1,2617.12%Buy
RushKS
64$85,174Est. pending—BuyView
FinneyKS
63$229,353Est. pending—BuyView

The Bottom Line

HoldGeary scores well overall, but a typical leveraged buy-and-hold loses $294/mo at current rates. Consider house hacking, value-add, or all-cash; otherwise a worse score with positive cash flow may be the better deal.

Geary County in Kansas scores 64/100, ranking #271 of 1,000 US counties (top 35%). At 20% down and current rates, a median-priced rental loses about $294/month; the 7.12% gross rent-to-price ratio doesn't survive debt service. The thesis here is appreciation, value-add, house hacking, or all-cash.

Monthly Cash Flow
$-294/mo
Cap Rate
4.6%
Cash-on-Cash
-7.2%

Related markets

Markets like Geary with stronger cash flow

  • Riley County for cash-flow rentals
  • McPherson County for cash-flow rentals

Cheaper alternatives to Geary

  • Rush County, lower entry price
  • Jewell County, lower entry price

Head-to-head comparisons

  • Geary vs Rush for rentals
  • Geary vs Riley for rentals
  • Geary vs Jewell for rentals
All counties in Kansas →

Rent vs buy in Kansas cities

Rent vs buy in Wichita, KSMedian $215,377 · rent $1,177/moRent vs buy in Overland Park, KSMedian $438,419 · rent $1,669/moRent vs buy in Kansas City, KSMedian $201,014 · rent $1,229/moRent vs buy in Olathe, KSMedian $438,419 · rent $1,669/moRent vs buy in Topeka, KSMedian $198,892 · rent $1,137/moAll Kansas citiesFull rent-vs-buy directory for the state

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