Total monthly cost of ownership
Cost to Own a Home in Hiawatha, Kansas
A $113,000 home here costs
$1,068per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $581. The real number is $487 higher every month — 84% 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.
Hiawatha against Brown County and Kansas
| Measure | Hiawatha | Brown County |
|---|---|---|
| Median home value | $112,500 | $111,100 |
| Median property tax | $1,473 | $1,387 |
| Effective tax rate | 1.309% | 1.248% |
| Median gross rent | $683 | $675 |
| Population | 3,223 | 9,415 |
The weather behind that power bill
Hiawatha sits in Brown County, which averages a high of 87.3°F in its hottest month and a low of 15.1°F in its coldest, with 34.71" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,152 cooling and 5,665 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Brown County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brown County
Common questions
How much does it cost to own a home in Hiawatha?
A $113,000 home in Hiawatha, Kansas costs approximately $1,068 per month with 20% down at 6.66%. That is $581 principal and interest, $123 property tax, $66 homeowners insurance, $204 utilities and $94 set aside for maintenance.
What is the property tax rate in Hiawatha?
Hiawatha has an effective property tax rate of 1.309%, based on a median home value of $112,500 and median real estate taxes of $1,473. That is higher than the Brown County average of 1.248%.
What is the average home price in Hiawatha?
The median owner-occupied home value in Hiawatha, Kansas is $112,500, against $111,100 across Brown County.
Is it cheaper to rent or buy in Hiawatha?
Median gross rent in Hiawatha is $683 a month, against $1,068 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 Hiawatha — 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.