AccessibleUpdated MAY 20, 2026

Florence, KS

ZIP 66851·Marion County·645 residents·Median income $42,125·Leaning Seller

66851 · Florence, KS has a HavenScore of 65 — accessible on affordability and fundamentals, per the score.

Compare
65
▲ +4 / 90d#24/182 in KSHavenScore
Rank

This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
74/100
Growth
74/100
Risk
52/100
Momentum
59/100
Livability
47/100
Score · trailing 12 mo
61 → 65
+4 points
30-day
-1
90-day
+4
1-yr
+4

Snapshot

Numbers at a glance

Median price
$64,084
Typical home value
YoY change
+3.39%
12-mo trailing
Price-to-income
1.5×
healthy <4.0×
Est. monthly
$427
PITI · 20% · 6.51%
Active listings
1
current count
Days on market
329
median DOM
Vacancy
19.0%
Above-average
Owner-occupied
70%
of homes
Denial rate
26.2%
Above-average
Lending activity
149
originations
Net migration
+24.0%
net inflow
Income inflow
$49k
average
Walkability
5.3
Least walkable
Risk rating
Relatively High
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
74/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
74/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
52/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
59/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 6 of 14 signals
Tailwinds4
  • Affordable vs. income
    1.5× income — below the national median
  • Strong price appreciation
    +3.4% year-over-year
  • Strong migration inflow
    +24.0% net — people moving in
  • Growing population
    +3.5% annual growth
Headwinds2
  • Potentially overvalued
    36% above historical price-to-income
  • Slow-moving market
    329 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Seller

Conditions tightening in sellers' favor. Sign in to save this ZIP and track how the score moves.

+34
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+6.1%$64k

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$64,084

▲ +3.39% YoY
Median Rent

—

Active Inventory

1

Days on Market

329 days

Price Cuts

0.00%

Price-to-Income

1.5×

Median Income

$42,125

Population

645

Overvaluation

+35.71%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
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Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

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—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
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Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$427/ mo

20% down · 30-yr fixed · 6.51% · tax 1.43%

Principal$46
Interest$278
Property tax$76
Insurance$27
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $42,125

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report66851Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 66851 on Affordability and Growth — sorted by lowest median value.

ZIP 26574
Rivesville
WV
59
$61,511-26.20%
ZIP 67831
Ashland
KS
62
$63,234-3.93%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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