Total monthly cost of ownership
Cost to Own a Home in Atchison, Kansas
A $130,000 home here costs
$1,231per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $668. The real number is $563 higher every month — 84% 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.
Atchison against Atchison County and Kansas
| Measure | Atchison | Atchison County |
|---|---|---|
| Median home value | $130,200 | $147,900 |
| Median property tax | $2,097 | $1,941 |
| Effective tax rate | 1.611% | 1.312% |
| Median gross rent | $736 | $756 |
| Population | 10,795 | 16,211 |
The weather behind that power bill
Atchison sits in Atchison County, which averages a high of 87.6°F in its hottest month and a low of 18.4°F in its coldest, with 36.38" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 1,360 cooling and 5,266 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Atchison County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Atchison County
No other places of this size are published in Atchison County.
Full Atchison County cost breakdown · Every county in Kansas
Common questions
How much does it cost to own a home in Atchison?
A $130,000 home in Atchison, Kansas costs approximately $1,231 per month with 20% down at 6.66%. That is $668 principal and interest, $175 property tax, $76 homeowners insurance, $204 utilities and $108 set aside for maintenance.
What is the property tax rate in Atchison?
Atchison has an effective property tax rate of 1.611%, based on a median home value of $130,200 and median real estate taxes of $2,097. That is higher than the Atchison County average of 1.312%.
What is the average home price in Atchison?
The median owner-occupied home value in Atchison, Kansas is $130,200, against $147,900 across Atchison County.
Is it cheaper to rent or buy in Atchison?
Median gross rent in Atchison is $736 a month, against $1,231 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 Atchison — 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.