Total monthly cost of ownership
Cost to Own a Home in Caldwell, Kansas
A $70,000 home here costs
$773per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $360. The real number is $413 higher every month — 115% 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.
Caldwell against Sumner County and Kansas
| Measure | Caldwell | Sumner County |
|---|---|---|
| Median home value | $69,900 | $118,700 |
| Median property tax | $1,317 | $2,024 |
| Effective tax rate | 1.884% | 1.705% |
| Median gross rent | $478 | $829 |
| Population | 1,091 | 22,386 |
The weather behind that power bill
Caldwell sits in Sumner County, which averages a high of 91.8°F in its hottest month and a low of 22.0°F in its coldest, with 36.14" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 1,642 cooling and 4,543 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Sumner County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sumner County
Common questions
How much does it cost to own a home in Caldwell?
A $70,000 home in Caldwell, Kansas costs approximately $773 per month with 20% down at 6.66%. That is $360 principal and interest, $110 property tax, $41 homeowners insurance, $204 utilities and $58 set aside for maintenance.
What is the property tax rate in Caldwell?
Caldwell has an effective property tax rate of 1.884%, based on a median home value of $69,900 and median real estate taxes of $1,317. That is higher than the Sumner County average of 1.705%.
What is the average home price in Caldwell?
The median owner-occupied home value in Caldwell, Kansas is $69,900, against $118,700 across Sumner County.
Is it cheaper to rent or buy in Caldwell?
Median gross rent in Caldwell is $478 a month, against $773 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 Caldwell — 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.