Total monthly cost of ownership
Cost to Own a Home in Ellinwood, Kansas
A $95,000 home here costs
$980per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $488. The real number is $491 higher every month — 101% 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.
Ellinwood against Barton County and Kansas
| Measure | Ellinwood | Barton County |
|---|---|---|
| Median home value | $94,800 | $117,200 |
| Median property tax | $1,831 | $1,948 |
| Effective tax rate | 1.931% | 1.662% |
| Median gross rent | $702 | $742 |
| Population | 2,117 | 25,275 |
The weather behind that power bill
Ellinwood sits in Barton County, which averages a high of 91.3°F in its hottest month and a low of 18.2°F in its coldest, with 27.3" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,320 cooling and 5,188 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Barton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Barton County
Common questions
How much does it cost to own a home in Ellinwood?
A $95,000 home in Ellinwood, Kansas costs approximately $980 per month with 20% down at 6.66%. That is $488 principal and interest, $153 property tax, $55 homeowners insurance, $204 utilities and $79 set aside for maintenance.
What is the property tax rate in Ellinwood?
Ellinwood has an effective property tax rate of 1.931%, based on a median home value of $94,800 and median real estate taxes of $1,831. That is higher than the Barton County average of 1.662%.
What is the average home price in Ellinwood?
The median owner-occupied home value in Ellinwood, Kansas is $94,800, against $117,200 across Barton County.
Is it cheaper to rent or buy in Ellinwood?
Median gross rent in Ellinwood is $702 a month, against $980 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 Ellinwood — 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.