Real Estate Investing in Williamsburg, Kansas (66095)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Franklin County • Population: 1,024 • Data updated: September 2026

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Should you buy in 66095 (Williamsburg, KS)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 8.4% vacancy may signal weakening demand.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Williamsburg, KS (66095)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $276,789
Avg Monthly Rent $1,026
1% Rule ✗ Does Not Meet
Median Income $64,389
% Renters 10.2%

Market Analysis: 66095 Williamsburg

ZIP 66095 in Williamsburg, KS carries a significant set of headwinds. Home values near $277K and rents of $1,026/mo sit inside a market where underwriting has to be tight.

Distressed markets are won on execution, not on spreadsheets. ZIP 66095 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Within KS, ZIP 66095 trails on several market indicators that neighboring Franklin County submarkets outperform. The gap is real and sturdy enough to shape underwriting.

The demographic picture in 66095 includes headwinds that any investor should price in. Income distribution skews lower than Williamsburg averages, and tenant stability requires active management.

Strategically, 66095 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Williamsburg:

C+ Average
Buy Confidence Score: 68/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Rising (+9.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,026/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Ottawa, KS Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Ottawa, KS metro data

Market Trends

Home Value History (with trend line)

$303K$252K$202K$152K$101K$51KJul 2006Jul 2016Jul 2026

📊 How Does 66095 Compare?

Metric 66095 Williamsburg Ottawa, KS Kansas
Home Value $276,789 $276,789 N/A $237,409
5-Year CAGR 8.3% 8.3% N/A 7.2%
Avg Rent $1,026 $1,026 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 66095? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 66095 (Williamsburg, KS). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+8.3%
Strong

📉 Market Crash Risk Index

Based on Ottawa, KS metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
50%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $276,789
Monthly Rent $1,026
Price-to-Rent 22.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 11.2%

📈 Home Appreciation

1-Year +9.1% ▲
3-Year CAGR +8.1% ▲
5-Year CAGR +8.3% ▲
10-Year CAGR +9.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
8.4%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.3%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 66095

Population: 1,024

💰 Median Household Income
$64,389
This area
$64,389
State
$67,472
USA
$74,580
🏠 Renter Occupied
10.2%
This area
10.2%
State
22.4%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-2.1%
USA
3.7%
🎓 College Educated
11.4%
This area
11.4%
State
17.3%
USA
33.7%
👤 Median Age
44.0 years
This area
44.0 years
State
32.6 years
USA
38.9 years
🏚️ Vacancy Rate
8.4%
This area
8.4%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 98.8%
Other/Mixed 1.2%
👶 Under 18
21.9%
This area
21.9%
USA
22.0%
👴 65 and Over
14.7%
This area
14.7%
USA
17.3%
📊 Poverty Rate
2.0%
This area
2.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 66095

A Avg School Grade
1 Schools
11.9:1 Avg Class Size
$17,034 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Williamsburg Elementary School

📚 Pre-K – 05 Elementary
👥
101 Students
👨‍🏫
11.9:1 Class Size
💰
$17,034 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

1 Nearby
D
Ottawa University-Ottawa
1,055 students · 14.1 mi

Frequently Asked Questions

How much does a house cost in Williamsburg, KS?

In Williamsburg, KS the median home value sits at $277K. Against the broader KS market, that reads as reasonable for most investors.

How do experienced investors play Williamsburg, KS?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Williamsburg, KS. The numbers - $277K homes against $1,026/mo rents - support that play.

What is the typical vacancy rate in Williamsburg, KS?

Occupancy in Williamsburg, KS runs consistent with elevated vacancy. Well-priced units at $1,026/mo lease on reasonable timelines.

Does Williamsburg, KS favor landlords or tenants?

Williamsburg, KS operates under KS law, which is landlord-friendly overall for landlords. Expect predictable treatment in typical lease and eviction cases.

What is the average monthly rent in Williamsburg, KS?

Rent in Williamsburg, KS is around $1,026/mo. The resulting rent-to-value relationship with $277K pricing is reasonable for most investor models.

You know 66095 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 66095 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 66095 ranks in Ottawa, KS

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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