Market Overview
Home Prices in Sterling, KS
The median home value in Sterling, KS is $174,106 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 13.7% compared to a year ago and up 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sterling are priced58% below average. Sterling is part of the Hutchinson, KS metro area.
Over the past five years, Sterling home values have risen by approximately48.9%, reflecting strong long-term appreciation in this market.
Price History
Sterling Home Price Trend
City Comparison
Sterling vs. National Median
At $174,106, homes in Sterling cost 58% below the national median of $410,000. This makes Sterling a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Sterling?
20% Down Payment
$34,821
on $174,106
Monthly P&I
$908/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,153/mo
incl. taxes & insurance
Income Needed
$46,120
gross annual (30% rule)
10% Down Option
$17,411
+ PMI applies
Loan Amount (20% dn)
$139,285
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 Sterling, KS?
The median home value in Sterling is $174,106 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 13.7% year-over-year.
How much have home prices changed in Sterling?
Over the past year, home values in Sterling have increased by 13.7%. Over five years, prices have risen approximately 48.9%.
How much do I need to earn to buy a home in Sterling?
To comfortably afford the median home price of $174,106 with a 20% down payment ($34,821) at today's rates (6.8%), you'd need a gross annual income of approximately $46,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Sterling compare to the national average home price?
The national median home value is approximately $410,000. At $174,106, homes in Sterling are 58% below the national average.
What metro area is Sterling part of?
Sterling is part of the Hutchinson, KS metropolitan area. Home prices and market conditions can vary across the broader metro region.