Liberal, KS metro housing market

What this means

• Valuation. Prices are roughly in line with local incomes (+1% vs. this area's pre-2020 price-to-income norm).
• Prices. Home values are up 1.3% over the past year (U.S.: +1.2%).
• Supply. Listings are 27% below the 2017-19 norm and rising (+21% vs. a year ago): still a tight market.
• Negotiating. Buyer leverage is moderate (53/100; U.S.: 54): homes sell for about 29.4% below their final list price (as of Mar 2026); 17% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 22% of the median household income (U.S.: 35%); it takes about $46k a year to keep the payment at 30% of gross pay. That includes about $2,270 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $96 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from tornadoes, hail and wind.
• Outlook. No clear direction: likely −7% to +8% over the next 12 months (63% chance of a rise).

Next 12 months

No clear direction

A rise is somewhat more likely than a fall, but not by enough to call. Likely change: −7.2% to +7.7% (80% range; middle estimate +1.7%), chance of a rise 63%, of a 5%+ drop 15%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

Counties in Liberal, KS metro