Total monthly cost of ownership
Cost to Own a Home in Ellis, Kansas
A $157,000 home here costs
$1,429per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $807. The real number is $622 higher every month — 77% 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.
Ellis against Ellis County and Kansas
| Measure | Ellis | Ellis County |
|---|---|---|
| Median home value | $156,900 | $211,100 |
| Median property tax | $2,341 | $2,582 |
| Effective tax rate | 1.492% | 1.223% |
| Median gross rent | — | $899 |
| Population | 2,145 | 28,870 |
The weather behind that power bill
Ellis sits in Ellis County, which averages a high of 93.2°F in its hottest month and a low of 20.0°F in its coldest, with 24.84" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 1,546 cooling and 4,935 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Ellis County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ellis County
Common questions
How much does it cost to own a home in Ellis?
A $157,000 home in Ellis, Kansas costs approximately $1,429 per month with 20% down at 6.66%. That is $807 principal and interest, $195 property tax, $92 homeowners insurance, $204 utilities and $131 set aside for maintenance.
What is the property tax rate in Ellis?
Ellis has an effective property tax rate of 1.492%, based on a median home value of $156,900 and median real estate taxes of $2,341. That is higher than the Ellis County average of 1.223%.
What is the average home price in Ellis?
The median owner-occupied home value in Ellis, Kansas is $156,900, against $211,100 across Ellis County.
Is it cheaper to rent or buy in Ellis?
Rent data is not published for Ellis at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ellis — 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.