Total monthly cost of ownership
Cost to Own a Home in Girard, Kansas
A $85,000 home here costs
$873per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $436 higher every month — 100% 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.
Girard against Crawford County and Kansas
| Measure | Girard | Crawford County |
|---|---|---|
| Median home value | $84,500 | $122,400 |
| Median property tax | $1,336 | $1,375 |
| Effective tax rate | 1.581% | 1.123% |
| Median gross rent | $795 | $837 |
| Population | 2,706 | 38,963 |
The weather behind that power bill
Girard sits in Crawford County, which averages a high of 89.8°F in its hottest month and a low of 22.3°F in its coldest, with 45.61" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,539 cooling and 4,555 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Crawford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Crawford County
Full Crawford County cost breakdown · Every county in Kansas
Common questions
How much does it cost to own a home in Girard?
A $85,000 home in Girard, Kansas costs approximately $873 per month with 20% down at 6.66%. That is $437 principal and interest, $112 property tax, $50 homeowners insurance, $204 utilities and $71 set aside for maintenance.
What is the property tax rate in Girard?
Girard has an effective property tax rate of 1.581%, based on a median home value of $84,500 and median real estate taxes of $1,336. That is higher than the Crawford County average of 1.123%.
What is the average home price in Girard?
The median owner-occupied home value in Girard, Kansas is $84,500, against $122,400 across Crawford County.
Is it cheaper to rent or buy in Girard?
Median gross rent in Girard is $795 a month, against $873 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 Girard — 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.