Total monthly cost of ownership
Cost to Own a Home in Americus, Kansas
A $121,000 home here costs
$1,150per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $622. The real number is $528 higher every month — 85% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Americus against Lyon County and Kansas
| Measure | Americus | Lyon County |
|---|---|---|
| Median home value | $120,900 | $142,200 |
| Median property tax | $1,830 | $2,272 |
| Effective tax rate | 1.514% | 1.598% |
| Median gross rent | $969 | $796 |
| Population | 1,147 | 32,145 |
The weather behind that power bill
Americus sits in Lyon County, which averages a high of 88.5°F in its hottest month and a low of 18.2°F in its coldest, with 35.82" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,235 cooling and 5,284 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Lyon County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lyon County
Common questions
How much does it cost to own a home in Americus?
A $121,000 home in Americus, Kansas costs approximately $1,150 per month with 20% down at 6.66%. That is $622 principal and interest, $153 property tax, $71 homeowners insurance, $204 utilities and $101 set aside for maintenance.
What is the property tax rate in Americus?
Americus has an effective property tax rate of 1.514%, based on a median home value of $120,900 and median real estate taxes of $1,830. That is lower than the Lyon County average of 1.598%.
What is the average home price in Americus?
The median owner-occupied home value in Americus, Kansas is $120,900, against $142,200 across Lyon County.
Is it cheaper to rent or buy in Americus?
Median gross rent in Americus is $969 a month, against $1,150 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Americus — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kansas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.