Total monthly cost of ownership
Cost to Own a Home in Haven, Kansas
A $95,000 home here costs
$973per 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 $41,500 a year.
A standard mortgage calculator would have told you $518. The real number is $455 higher every month, 88% more than the payment most buyers budget for.
Compare Reno County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Haven from a five-year rolling sample, and with about 1,394 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 Reno 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.
Haven against Reno County and Kansas
| Measure | Haven | Reno County |
|---|---|---|
| Median home value | $95,000 | $125,000 |
| Median property tax | $1,407 | $2,180 |
| Effective tax rate | 1.481% | 1.744% |
| Median gross rent | $821 | $857 |
| Population | 1,394 | 61,693 |
The weather behind that power bill
Haven sits in Reno County, which averages a high of 92.2°F in its hottest month and a low of 18.5°F in its coldest, with 30.29" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 1,489 cooling and 5,050 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Reno County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Reno County
Talk to someone who works this market
These are Haven 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 Haven every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Haven?
A $95,000 home in Haven, Kansas costs approximately $973 per month with 20% down at 7.24%. That is $518 principal and interest, $117 property tax, $55 homeowners insurance, $204 utilities and $79 set aside for maintenance.
What is the property tax rate in Haven?
Haven has an effective property tax rate of 1.481%, based on a median home value of $95,000 and median real estate taxes of $1,407. That is lower than the Reno County average of 1.744%.
What is the average home price in Haven?
The median owner-occupied home value in Haven, Kansas is $95,000, against $125,000 across Reno County.
Is it cheaper to rent or buy in Haven?
Median gross rent in Haven is $821 a month, against $973 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 Haven?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Haven, Kansas at today's rate takes a household income of roughly $41,500 a year. That covers the full $973 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Haven, 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.