Total monthly cost of ownership
Cost to Own a Home in Conway Springs, Kansas
A $107,000 home here costs
$1,083per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $550. The real number is $533 higher every month — 97% 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.
Conway Springs against Sumner County and Kansas
| Measure | Conway Springs | Sumner County |
|---|---|---|
| Median home value | $106,900 | $118,700 |
| Median property tax | $2,129 | $2,024 |
| Effective tax rate | 1.992% | 1.705% |
| Median gross rent | $974 | $829 |
| Population | 1,597 | 22,386 |
The weather behind that power bill
Conway Springs 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 Conway Springs?
A $107,000 home in Conway Springs, Kansas costs approximately $1,083 per month with 20% down at 6.66%. That is $550 principal and interest, $178 property tax, $62 homeowners insurance, $204 utilities and $89 set aside for maintenance.
What is the property tax rate in Conway Springs?
Conway Springs has an effective property tax rate of 1.992%, based on a median home value of $106,900 and median real estate taxes of $2,129. That is higher than the Sumner County average of 1.705%.
What is the average home price in Conway Springs?
The median owner-occupied home value in Conway Springs, Kansas is $106,900, against $118,700 across Sumner County.
Is it cheaper to rent or buy in Conway Springs?
Median gross rent in Conway Springs is $974 a month, against $1,083 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 Conway Springs — 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.