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Learn about the people, housing, costs and businesses in Gem, Kansas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Gem.
True all-in cost — P&I, taxes, insurance & utilities for homes in Gem.
Find and compare lenders active near Gem.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Gem.
Seismic risk and earthquake insurance estimates for Gem.
Wildfire exposure and insurance estimates for Gem.
As of today, the 30-year fixed mortgage rate for Gem is approximately 6.935% (6.973% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for GemThe median home value in Gem is $184k. The median monthly rent is $766. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Gem have increased 11.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $855/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $37k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Gem is $84k/year.
Calculate your buying powerThe largest employment sectors in Gem are public administration (24%) and healthcare (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.