Total monthly cost of ownership
Cost to Own a Home in Chapman, Kansas
A $194,000 home here costs
$1,680per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $997. The real number is $682 higher every month — 68% 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.
Chapman against Dickinson County and Kansas
| Measure | Chapman | Dickinson County |
|---|---|---|
| Median home value | $193,600 | $148,500 |
| Median property tax | $2,436 | $2,123 |
| Effective tax rate | 1.258% | 1.430% |
| Median gross rent | $693 | $809 |
| Population | 1,244 | 18,423 |
The weather behind that power bill
Chapman sits in Dickinson County, which averages a high of 94.4°F in its hottest month and a low of 21.7°F in its coldest, with 34.28" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,803 cooling and 4,491 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Dickinson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dickinson County
Full Dickinson County cost breakdown · Every county in Kansas
Common questions
How much does it cost to own a home in Chapman?
A $194,000 home in Chapman, Kansas costs approximately $1,680 per month with 20% down at 6.66%. That is $997 principal and interest, $203 property tax, $113 homeowners insurance, $204 utilities and $162 set aside for maintenance.
What is the property tax rate in Chapman?
Chapman has an effective property tax rate of 1.258%, based on a median home value of $193,600 and median real estate taxes of $2,436. That is lower than the Dickinson County average of 1.430%.
What is the average home price in Chapman?
The median owner-occupied home value in Chapman, Kansas is $193,600, against $148,500 across Dickinson County.
Is it cheaper to rent or buy in Chapman?
Median gross rent in Chapman is $693 a month, against $1,680 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 Chapman — 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.