Total monthly cost of ownership
Cost to Own a Home in Cimarron, Kansas
A $163,000 home here costs
$1,510per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $838. The real number is $672 higher every month — 80% 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.
Cimarron against Gray County and Kansas
| Measure | Cimarron | Gray County |
|---|---|---|
| Median home value | $162,500 | $174,700 |
| Median property tax | $2,831 | $2,461 |
| Effective tax rate | 1.742% | 1.409% |
| Median gross rent | $849 | $833 |
| Population | 1,942 | 5,696 |
The weather behind that power bill
Cimarron sits in Gray County, which averages a high of 92.8°F in its hottest month and a low of 18.3°F in its coldest, with 21.61" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,485 cooling and 5,031 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Gray County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Gray County
No other places of this size are published in Gray County.
Common questions
How much does it cost to own a home in Cimarron?
A $163,000 home in Cimarron, Kansas costs approximately $1,510 per month with 20% down at 6.66%. That is $838 principal and interest, $237 property tax, $95 homeowners insurance, $204 utilities and $136 set aside for maintenance.
What is the property tax rate in Cimarron?
Cimarron has an effective property tax rate of 1.742%, based on a median home value of $162,500 and median real estate taxes of $2,831. That is higher than the Gray County average of 1.409%.
What is the average home price in Cimarron?
The median owner-occupied home value in Cimarron, Kansas is $162,500, against $174,700 across Gray County.
Is it cheaper to rent or buy in Cimarron?
Median gross rent in Cimarron is $849 a month, against $1,510 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 Cimarron — 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.