{"area":{"county":"Kearny County","state":"KS","stateName":"Kansas","slug":"kearny-ks","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":177835},{"date":"2021-07-01","value":183033},{"date":"2021-10-01","value":187475},{"date":"2022-01-01","value":194628},{"date":"2022-04-01","value":200208},{"date":"2022-07-01","value":200900},{"date":"2022-10-01","value":203100},{"date":"2023-01-01","value":204203},{"date":"2023-04-01","value":210030},{"date":"2023-07-01","value":215692},{"date":"2023-10-01","value":218996},{"date":"2024-01-01","value":223631},{"date":"2024-04-01","value":224769},{"date":"2024-07-01","value":227680},{"date":"2024-10-01","value":231247},{"date":"2025-01-01","value":235090},{"date":"2025-04-01","value":235959},{"date":"2025-07-01","value":238124},{"date":"2025-10-01","value":240600},{"date":"2026-01-01","value":242190},{"date":"2026-04-01","value":243827}],"latest":243827,"yoy":3.3344775999220206,"fiveYr":37.108555683639324,"sinceStart":315.5480946213102,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1530}],"latest":1530,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":89135,"population":3864,"povertyRate":4.5059288537549405,"medianHomeValue":200900,"medianGrossRent":1056,"medianPropertyTax":2108},"hud":{"county":"Kearny County","year":"2027","perUnit":1530,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Kansas","period":"10-2024 to 09-2026","window":{"from":"10-2024","to":"09-2026","fellBack":false},"violentCrime":{"total":22775,"ratePer100k":382.4876898583242},"propertyCrime":{"total":92828,"ratePer100k":1558.971120709924},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"10-2024","to":"09-2026","fellBack":false},"priceToRentRatio":13.3,"ratioVerdict":"Favorable for buying — price-to-rent favors owning (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":6.516445233905266,"rentCagr":3,"cashFlow":{"price":243827,"monthlyRent":1530,"grossRent":1530,"downPct":20,"ratePct":6.75,"units":1,"state":"KS","down":48765.4,"loan":195061.6,"mortgagePI":1265.1658247355065,"monthlyTax":213.14543583333332,"taxRatePct":1.049,"taxRateSource":"Census ACS county effective rate 1.05% ($2,108 tax ÷ $200,900 ACS median), applied to current value","monthlyInsurance":158.48755000000003,"insuranceRatePct":0.78,"insuranceBasis":"Insurance: state-level estimate (KS avg 0.78%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":76.5,"egi":1453.5,"mgmtPct":10,"monthlyMgmt":153,"maintenancePct":5,"monthlyMaint":76.5,"capexPct":5,"monthlyCapex":76.5,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":677.6329858333334,"noi":775.8670141666666,"totalExpenses":1942.7988105688398,"cashFlow":-489.2988105688398,"annualCf":-5871.585726826078,"cocReturn":-12.040474858867308,"capRate":3.8184467552814088},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-604.0488105688398,"delta":-115,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-535.1988105688399,"delta":-46,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-528.9206980688398,"delta":-40,"survives":false},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":-689.5656439607319,"delta":-200,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −5.1% over 12 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 2010-04-01 → 2011-04-01, applied to rent","cashFlow":-547.512873027569,"delta":-58,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-689.5656439607319,"baselineCashFlow":-489.2988105688398,"framing":"underwater","confidenceLabel":"crosscheck","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":6.516445233905266,"rentCagr":3,"totalRentPaid":140682.80564002047,"totalCashOutlay":220324.61817402628,"insuranceBasis":"Insurance: state-level estimate (KS avg 0.78%/yr)","homeValueAfter":379313.62728409417,"equityBuilt":202222.12924437766,"netCostOfBuying":66867.88892964862,"buyingCheaper":true,"savings":73814.91671037185},"priceToIncome":{"ratio":2.7354798900544117,"price":243827,"medianIncome":89135,"label":"Affordable (≤3x income — historical rule of thumb)"},"countyTaxRatePct":1.049,"countyTaxSource":"Census ACS county effective rate 1.05% ($2,108 tax ÷ $200,900 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":243827,"secondary":200900,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.21,"grade":"crosscheck","consistent":false,"hidePoint":false},{"metric":"HUD fair market rent","primary":1530,"secondary":1056,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.45,"grade":"crosscheck","consistent":false,"hidePoint":true}],"confidence":{"homeValue":{"label":"crosscheck","ratio":1.21,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":200900,"high":243827}},"rent":{"label":"crosscheck","ratio":1.45,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":1056,"high":1530}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (227d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (13d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 6.5%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":227,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":13,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"crosscheck","ratio":1.21,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":200900,"high":243827}},"rent":{"label":"crosscheck","ratio":1.45,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":1056,"high":1530}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Kearny County, KS leans favorable for buying: a price-to-rent ratio of 13.3 favors owning at the median, and modeled investor cash flow is negative, so this is owner-occupant math — not a claim of strong rental yield.","faqs":[{"q":"Is Kearny County, KS a good rental market?","a":"For owning at the median, yes — Kearny County's price-to-rent ratio of 13.3 is in the favorable range, but modeled investor cash flow is negative, so it is not a claim of strong rental yield."},{"q":"What is the median home value in Kearny County?","a":"The typical home value in Kearny County is about $243,827 (county-level, Census ACS & FHFA state HPI), up 3.3% year-over-year, and up 37.1% over five years."},{"q":"What is the median rent in Kearny County?","a":"The typical rent in Kearny County is about $1,530/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in Kearny County?","a":"Over a 7-year horizon, buying is cheaper in Kearny County — roughly $73,815 ahead of renting, with about $202,222 in equity built."},{"q":"Is Kearny County affordable for homebuyers?","a":"Kearny County's median home value is 2.7x the local median household income — Affordable (≤3x income — historical rule of thumb)."},{"q":"What is the property tax rate in Kearny County?","a":"Kearny County's effective property tax rate is about 1.05% of home value (Census ACS county effective rate 1.05% ($2,108 tax ÷ $200,900 ACS median), applied to current value), which on a $243,827 median home is roughly $213/mo."}],"takeaways":["The median home value in Kearny County, KS was $243,827 as of April 2026, up 3.3% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Kearny County, KS was $1,530/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Kearny County, KS has a price-to-rent ratio of 13.3 — a reading that favors owning (owner-occupant math — not automatically strong investor cash flow). (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=kearny-ks","url":"https://areal.studio/functions/getCountyReport?slug=kearny-ks"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T10:55:49.013Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":243827,"countyFmr":1530,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"KS","stateName":"Kansas","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}