{"area":{"county":"Leavenworth County","state":"KS","stateName":"Kansas","slug":"leavenworth-ks","metro":"Kansas City, MO-KS HUD Metro FMR Area"},"homeValue":{"series":[{"date":"2021-04-01","value":249647},{"date":"2021-07-01","value":256313},{"date":"2021-10-01","value":263744},{"date":"2022-01-01","value":279127},{"date":"2022-04-01","value":283926},{"date":"2022-07-01","value":282900},{"date":"2022-10-01","value":286711},{"date":"2023-01-01","value":289926},{"date":"2023-04-01","value":299048},{"date":"2023-07-01","value":307666},{"date":"2023-10-01","value":309694},{"date":"2024-01-01","value":314026},{"date":"2024-04-01","value":316184},{"date":"2024-07-01","value":319612},{"date":"2024-10-01","value":323508},{"date":"2025-01-01","value":324633},{"date":"2025-04-01","value":328421},{"date":"2025-07-01","value":331528},{"date":"2025-10-01","value":334452},{"date":"2026-01-01","value":338722},{"date":"2026-04-01","value":337988}],"latest":337988,"yoy":2.9130293129854667,"fiveYr":35.38636554815399,"sinceStart":341.6296451157686,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1546}],"latest":1546,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":89218,"population":83123,"povertyRate":8.770225709976739,"medianHomeValue":282900,"medianGrossRent":1219,"medianPropertyTax":3424},"hud":{"county":"Leavenworth County","year":"2027","perUnit":1546,"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":18.2,"ratioVerdict":"Borderline — at 18.2× the market leans renting (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":6.247467917177163,"rentCagr":3,"cashFlow":{"price":337988,"monthlyRent":1546,"grossRent":1546,"downPct":20,"ratePct":6.75,"units":1,"state":"KS","down":67597.6,"loan":270390.4,"mortgagePI":1753.7469877031847,"monthlyTax":340.80456666666663,"taxRatePct":1.21,"taxRateSource":"Census ACS county effective rate 1.21% ($3,424 tax ÷ $282,900 ACS median), applied to current value","monthlyInsurance":219.69220000000004,"insuranceRatePct":0.78,"insuranceBasis":"Insurance: state-level estimate (KS avg 0.78%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":77.30000000000001,"egi":1468.7,"mgmtPct":10,"monthlyMgmt":154.60000000000002,"maintenancePct":5,"monthlyMaint":77.30000000000001,"capexPct":5,"monthlyCapex":77.30000000000001,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":869.6967666666667,"noi":599.0032333333334,"totalExpenses":2623.4437543698514,"cashFlow":-1154.7437543698513,"annualCf":-13856.925052438215,"cocReturn":-20.499137620918813,"capRate":2.1267142028711077},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-1270.6937543698514,"delta":-116,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-1201.1237543698514,"delta":-46,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-1209.6668043698514,"delta":-55,"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":-1432.349542426378,"delta":-278,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −9.3% over 9 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 → 2011-01-01, applied to rent","cashFlow":-1263.142495032003,"delta":-108,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-1432.349542426378,"baselineCashFlow":-1154.7437543698513,"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":6.247467917177163,"rentCagr":3,"totalRentPaid":142153.9983787396,"totalCashOutlay":304669.6351822387,"insuranceBasis":"Insurance: state-level estimate (KS avg 0.78%/yr)","homeValueAfter":516572.64282073407,"equityBuilt":271092.0305856342,"netCostOfBuying":101175.20459660454,"buyingCheaper":true,"savings":40978.793782135064},"priceToIncome":{"ratio":3.788338676051918,"price":337988,"medianIncome":89218,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":1.21,"countyTaxSource":"Census ACS county effective rate 1.21% ($3,424 tax ÷ $282,900 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":337988,"secondary":282900,"primarySource":"current estimate (ACS county median × FHFA metro HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.19,"grade":"crosscheck","consistent":false,"hidePoint":false},{"metric":"HUD fair market rent","primary":1546,"secondary":1219,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.27,"grade":"crosscheck","consistent":false,"hidePoint":false}],"confidence":{"homeValue":{"label":"crosscheck","ratio":1.19,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":282900,"high":337988}},"rent":{"label":"crosscheck","ratio":1.27,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":1219,"high":1546}},"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 6.2%/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":1.19,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":282900,"high":337988}},"rent":{"label":"crosscheck","ratio":1.27,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":1219,"high":1546}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Leavenworth County, KS is a moderate market — a 18.2x price-to-rent ratio is borderline, leaning renting; individual deals decide the outcome.","faqs":[{"q":"Is Leavenworth County, KS a good rental market?","a":"Mixed. Leavenworth County's 18.2x price-to-rent ratio is moderate; rentals can cash flow, but only on well-priced properties."},{"q":"What is the median home value in Leavenworth County?","a":"The typical home value in Leavenworth County is about $337,988 (county-level, Census ACS & FHFA metro HPI), up 2.9% year-over-year, and up 35.4% over five years."},{"q":"What is the median rent in Leavenworth County?","a":"The typical rent in Leavenworth County is about $1,546/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 Leavenworth County?","a":"Over a 7-year horizon, buying is cheaper in Leavenworth County — roughly $40,979 ahead of renting, with about $271,092 in equity built."},{"q":"Is Leavenworth County affordable for homebuyers?","a":"Leavenworth County's median home value is 3.8x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in Leavenworth County?","a":"Leavenworth County's effective property tax rate is about 1.21% of home value (Census ACS county effective rate 1.21% ($3,424 tax ÷ $282,900 ACS median), applied to current value), which on a $337,988 median home is roughly $341/mo."}],"takeaways":["The median home value in Leavenworth County, KS was $337,988 as of April 2026, up 2.9% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Leavenworth County, KS was $1,546/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Leavenworth County, KS has a price-to-rent ratio of 18.2 — a moderate reading where individual deals decide the outcome. (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=leavenworth-ks","url":"https://areal.studio/functions/getCountyReport?slug=leavenworth-ks"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T10:26:20.857Z","homeValueBasis":"FHFA metro HPI (quarterly, Kansas City, MO-KS HUD Metro FMR Area) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"metro","hpiMetro":"Kansas City, MO-KS HUD Metro FMR Area","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":337988,"countyFmr":1546,"countyRatio":null,"hpiLevel":"metro","hpiMetro":"Kansas City, MO-KS HUD Metro FMR Area"},"links":{"stateDir":"KS","stateName":"Kansas","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}