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1015 Merchant St, Emporia, KS, 66801

5beds
3baths
1,552sqft
$125,000
$81price/sqft
$1,123/moest. monthly cost
$44,920/yrincome needed

About This Home

Three unit converted house. Currently all rented.

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

5/10
Walnut Elementary SchoolGrades PK-50.5 mi
4/10
Emporia Middle SchoolGrades 6-82.5 mi
5/10
Emporia High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Concrete Block
  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily

Interior

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Hardwood

Heating

  • Heating features: Wall

Interior Area

  • Total interior livable area: 1,552 sqft

Property

Details

  • Parcel number: 1921003013012000

Features

  • Exterior features: Stucco

Lot

  • Lot size: 6,534 sqft

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Winter Weather
Cold Wave
Strong Wind
Tornado

FEMA Declared Disasters Across Kansas Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $632$7,584
Home Insurance *$189$2,268
Property Taxes $141$1,692
Electricity $161$1,935
Total$1,123$13,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,502/yr
40% on housing$33,690/yr
45% on housing$29,946/yr

Kansas FAIR Plan Programs

Kansas All-Industry Placement Facility

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 11,507Commercial: 209
Total Premiums$9.41M
Total Exposure$949,000

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 1.6%
1.6%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$81This listing

vs Other Active Listings

Avg $/sqft

ZIP 66801$107
Lyon County$112

vs Homes Sold Last Month

Median $/sqft

ZIP 66801$102
Lyon County$98

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-06-03Listed for sale$125,000

For Sale by Owner

AgentProperty Owner

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