Mortgage Rates in Dodge City, Kansas — March 2026
Updated March 2026 | Based on Dodge City market data and regional lending conditions
Dodge City is a growing city in Kansas with a population of 27,898. The current 30-year fixed mortgage rate in Dodge City is 6.18%, which is 0.47% below the national average. With a median home price of $155,000 and a 20% down payment of $31,000, homebuyers can expect a monthly principal and interest payment of approximately $758.
Current Mortgage Rates in Dodge City, KS
Below are the current average mortgage rates available in the Dodge City area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.18% | 6.65% | -0.47% |
| 15-Year Fixed | 5.42% | 5.89% | -0.47% |
| 5/1 ARM | 5.68% | 6.15% | -0.47% |
| FHA | 5.78% | 6.25% | -0.47% |
| VA | 5.58% | 6.05% | -0.47% |
| Jumbo | 6.38% | 6.85% | -0.47% |
Dodge City Housing Market Overview
The Dodge City housing market offers relatively affordable housing compared to many major cities. The median household income in Dodge City is $38,000, and the cost of living index is 80 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $40,029 to comfortably afford the median-priced home in Dodge City, which exceeds the current median household income.
Monthly Payment Breakdown for Dodge City
Based on the median home price of $155,000 with 20% down ($31,000), here is what you can expect to pay monthly in Dodge City:
15-Year vs. 30-Year Mortgage in Dodge City
Choosing a 15-year mortgage in Dodge City at 5.42% instead of a 30-year at 6.18% would save you $91,440 in total interest over the life of the loan. However, your monthly payment would be $1,008 instead of $758 — an increase of $250 per month.
Calculate Your Dodge City Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Dodge City
What are the current mortgage rates in Dodge City, KS?
As of March 2026, the average 30-year fixed mortgage rate in Dodge City, Kansas is 6.18%, while the 15-year fixed rate is 5.42%. FHA loans average 5.78% and VA loans 5.58%. These rates are 0.47% below the national average of 6.65%.
How much is a monthly mortgage payment in Dodge City?
Based on the median home price of $155,000 with 20% down, the estimated monthly mortgage payment in Dodge City is $758 for principal and interest. Including property taxes of $176/month, the total monthly housing cost is approximately $934.
What income do I need to buy a home in Dodge City?
Using the 28% rule, you would need an annual income of approximately $40,029 to afford the median-priced home in Dodge City at $155,000. The median household income in Dodge City is $38,000. This means most households would need to either earn above the median or consider homes below $155,000.
Is Dodge City a good place to buy a home in 2026?
Dodge City offers a below-average cost of living with a cost of living index of 80 (national average = 100). The property tax rate in Kansas is 1.36%, which is near the national average. Dodge City has a population of 27,898 and offers a very affordable lifestyle.
Mortgage Rates in Other Kansas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Dodge City, Kansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.