Market Overview
Home Prices in Cummings, KS
The median home value in Cummings, KS is $338,813 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 14% compared to a year ago and up 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cummings are priced17% below average. Cummings is part of the Atchison, KS metro area.
Over the past five years, Cummings home values have risen by approximately40.9%, reflecting strong long-term appreciation in this market.
Price History
Cummings Home Price Trend
City Comparison
Cummings vs. National Median
At $338,813, homes in Cummings cost 17% below the national median of $410,000. This makes Cummings a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cummings?
20% Down Payment
$67,763
on $338,813
Monthly P&I
$1,767/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,244/mo
incl. taxes & insurance
Income Needed
$89,760
gross annual (30% rule)
10% Down Option
$33,881
+ PMI applies
Loan Amount (20% dn)
$271,050
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cummings, KS?
The median home value in Cummings is $338,813 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 14% year-over-year.
How much have home prices changed in Cummings?
Over the past year, home values in Cummings have increased by 14%. Over five years, prices have risen approximately 40.9%.
How much do I need to earn to buy a home in Cummings?
To comfortably afford the median home price of $338,813 with a 20% down payment ($67,763) at today's rates (6.8%), you'd need a gross annual income of approximately $89,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Cummings compare to the national average home price?
The national median home value is approximately $410,000. At $338,813, homes in Cummings are 17% below the national average.
What metro area is Cummings part of?
Cummings is part of the Atchison, KS metropolitan area. Home prices and market conditions can vary across the broader metro region.