Total monthly cost of ownership
Cost to Own a Home in Council Grove, Kansas
A $132,000 home here costs
$1,298per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $55,500 a year.
A standard mortgage calculator would have told you $720. The real number is $578 higher every month, 80% more than the payment most buyers budget for.
Compare Morris County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Council Grove from a five-year rolling sample, and with about 2,487 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Morris County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Council Grove against Morris County and Kansas
| Measure | Council Grove | Morris County |
|---|---|---|
| Median home value | $131,500 | $120,900 |
| Median property tax | $2,239 | $1,870 |
| Effective tax rate | 1.703% | 1.547% |
| Median gross rent | $688 | $711 |
| Population | 2,487 | 5,388 |
The weather behind that power bill
Council Grove sits in Morris County, which averages a high of 90.2°F in its hottest month and a low of 19.7°F in its coldest, with 34.99" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,523 cooling and 4,948 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Morris County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Morris County
No other places of this size are published in Morris County.
Talk to someone who works this market
These are Council Grove averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Council Grove every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Council Grove I already own here and may sell
Common questions
How much does it cost to own a home in Council Grove?
A $132,000 home in Council Grove, Kansas costs approximately $1,298 per month with 20% down at 7.24%. That is $720 principal and interest, $187 property tax, $77 homeowners insurance, $204 utilities and $110 set aside for maintenance.
What is the property tax rate in Council Grove?
Council Grove has an effective property tax rate of 1.703%, based on a median home value of $131,500 and median real estate taxes of $2,239. That is higher than the Morris County average of 1.547%.
What is the average home price in Council Grove?
The median owner-occupied home value in Council Grove, Kansas is $131,500, against $120,900 across Morris County.
Is it cheaper to rent or buy in Council Grove?
Median gross rent in Council Grove is $688 a month, against $1,298 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Council Grove?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Council Grove, Kansas at today's rate takes a household income of roughly $55,500 a year. That covers the full $1,298 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Council Grove, 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.