Total monthly cost of ownership
Cost to Own a Home in Andover, Kansas
A $273,000 home here costs
$2,390per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,403. The real number is $986 higher every month — 70% 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.
Andover against Butler County and Kansas
| Measure | Andover | Butler County |
|---|---|---|
| Median home value | $272,600 | $199,600 |
| Median property tax | $4,741 | $2,918 |
| Effective tax rate | 1.739% | 1.462% |
| Median gross rent | $1,481 | $984 |
| Population | 15,508 | 67,916 |
The weather behind that power bill
Andover sits in Butler County, which averages a high of 91.3°F in its hottest month and a low of 20.2°F in its coldest, with 38.67" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,575 cooling and 4,620 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Butler County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Butler County
Common questions
How much does it cost to own a home in Andover?
A $273,000 home in Andover, Kansas costs approximately $2,390 per month with 20% down at 6.66%. That is $1,403 principal and interest, $396 property tax, $159 homeowners insurance, $204 utilities and $228 set aside for maintenance.
What is the property tax rate in Andover?
Andover has an effective property tax rate of 1.739%, based on a median home value of $272,600 and median real estate taxes of $4,741. That is higher than the Butler County average of 1.462%.
What is the average home price in Andover?
The median owner-occupied home value in Andover, Kansas is $272,600, against $199,600 across Butler County.
Is it cheaper to rent or buy in Andover?
Median gross rent in Andover is $1,481 a month, against $2,390 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 Andover — 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.