Total monthly cost of ownership
Cost to Own a Home in Harper, Kansas
A $80,000 home here costs
$860per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $411. The real number is $449 higher every month — 109% 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.
Harper against Harper County and Kansas
| Measure | Harper | Harper County |
|---|---|---|
| Median home value | $80,300 | $77,300 |
| Median property tax | $1,581 | $1,379 |
| Effective tax rate | 1.969% | 1.784% |
| Median gross rent | $809 | $693 |
| Population | 1,191 | 5,446 |
The weather behind that power bill
Harper sits in Harper County, which averages a high of 92.9°F in its hottest month and a low of 22.4°F in its coldest, with 33.14" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,715 cooling and 4,436 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Harper County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harper County
Common questions
How much does it cost to own a home in Harper?
A $80,000 home in Harper, Kansas costs approximately $860 per month with 20% down at 6.66%. That is $411 principal and interest, $131 property tax, $47 homeowners insurance, $204 utilities and $67 set aside for maintenance.
What is the property tax rate in Harper?
Harper has an effective property tax rate of 1.969%, based on a median home value of $80,300 and median real estate taxes of $1,581. That is higher than the Harper County average of 1.784%.
What is the average home price in Harper?
The median owner-occupied home value in Harper, Kansas is $80,300, against $77,300 across Harper County.
Is it cheaper to rent or buy in Harper?
Median gross rent in Harper is $809 a month, against $860 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 Harper — 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.