Montezuma, Kansas.
Typical home $266,860 (+7.3% in a year).
to buy the typical home at today's mortgage rate — +$830 (+146%) since Jan 2020.
- 1 year
- Up $18,044 +7%
- $248,816$266,860 since Sep 2025
- 5 years
- Up $79,009 +42%
- $187,851$266,860 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Montezuma$1,401
- Kansas$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in Montezuma, KS rose 7.3% over the past year — faster than the nation's +1.2%.
Living in Montezuma, Gray County, Kansas
Montezuma is a city of 975 people in Gray County. 77% of its homes are lived in by their owners and 23% are rented. Unemployment in Gray County was 3.3% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then farming.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Montezuma is a very small city in Gray County, Kansas, where most homes are lived in by their owners. Incomes across Gray County sit near the middle of what many rural counties see, and a modest share of adults hold a four-year degree. Winters are cold, with January the coldest month and some snow each year, while July brings hot days.
Work. Residents work mostly in schools, hospitals and social care, in farming, forestry and mining, in professional and business services, and in the building trades. Very few work from home. Among the largest workplaces across Gray County are Cimarron-Ensign Schools, Bethel Home, a skilled nursing facility, and Midwest Feeders, a beef cattle feedlot operation.
Things to do. Meade State Park is a protected area a longer drive away, and it suits a day outdoors. History-minded visitors can head to the Dalton Gang Hideout and Museum or to Boot Hill Museum, both museums a longer drive away. Fort Dodge, an old fort, is also a longer drive from town.
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- 349households
- 21%of adults have a degree
- 11%below the poverty line
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Gray County had 3,041 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 18°; warmest in July, with highs near 93° and lows near 65°. About 16 inches of snow and 22 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Montezuma weather station, under a mile away (NOAA).
Largest workplaces in Gray County
- Mjec,llcBackfilling, construction248
- Bethel HomeSkilled nursing facilities126
- Davis ElectricElectrical contractors95
- Cimarron-Ensign SchoolsSchool district91FTE
- Spandet DairyMilk production, dairy cattle86
- Midwest FeedersBeef cattle feedlots81
- Royal Farms DairyDairy cattle farming76
- Montezuma SchoolsSchool district42FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 780 people in all across the county; Montezuma has two of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailVery high
- DroughtVery high
- Cold wavesVery high
- Strong windVery high
- TornadoesVery high
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Montezuma’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Gray County.
Montezuma home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Montezuma$266,860
- Kansas$246,055
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Montezuma address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Montezuma — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.