Total monthly cost of ownership
Cost to Own a Home in Carbondale, Kansas
A $112,000 home here costs
$1,107per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $576. The real number is $531 higher every month — 92% 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.
Carbondale against Osage County and Kansas
| Measure | Carbondale | Osage County |
|---|---|---|
| Median home value | $112,300 | $142,800 |
| Median property tax | $2,022 | $2,282 |
| Effective tax rate | 1.801% | 1.598% |
| Median gross rent | $606 | $810 |
| Population | 1,361 | 15,780 |
The weather behind that power bill
Carbondale sits in Osage County, which averages a high of 89.3°F in its hottest month and a low of 17.9°F in its coldest, with 38.85" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,316 cooling and 5,184 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Osage County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Osage County
Common questions
How much does it cost to own a home in Carbondale?
A $112,000 home in Carbondale, Kansas costs approximately $1,107 per month with 20% down at 6.66%. That is $576 principal and interest, $168 property tax, $65 homeowners insurance, $204 utilities and $93 set aside for maintenance.
What is the property tax rate in Carbondale?
Carbondale has an effective property tax rate of 1.801%, based on a median home value of $112,300 and median real estate taxes of $2,022. That is higher than the Osage County average of 1.598%.
What is the average home price in Carbondale?
The median owner-occupied home value in Carbondale, Kansas is $112,300, against $142,800 across Osage County.
Is it cheaper to rent or buy in Carbondale?
Median gross rent in Carbondale is $606 a month, against $1,107 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 Carbondale — 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.