Total monthly cost of ownership
Cost to Own a Home in Hill City, Kansas
A $89,000 home here costs
$932per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $458. The real number is $474 higher every month — 104% 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.
Hill City against Graham County and Kansas
| Measure | Hill City | Graham County |
|---|---|---|
| Median home value | $89,300 | $88,800 |
| Median property tax | $1,738 | $1,538 |
| Effective tax rate | 1.946% | 1.732% |
| Median gross rent | $729 | $726 |
| Population | 1,536 | 2,406 |
The weather behind that power bill
Hill City sits in Graham County, which averages a high of 93.3°F in its hottest month and a low of 17.1°F in its coldest, with 21.5" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,392 cooling and 5,391 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Graham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Graham County
No other places of this size are published in Graham County.
Common questions
How much does it cost to own a home in Hill City?
A $89,000 home in Hill City, Kansas costs approximately $932 per month with 20% down at 6.66%. That is $458 principal and interest, $144 property tax, $52 homeowners insurance, $204 utilities and $74 set aside for maintenance.
What is the property tax rate in Hill City?
Hill City has an effective property tax rate of 1.946%, based on a median home value of $89,300 and median real estate taxes of $1,738. That is higher than the Graham County average of 1.732%.
What is the average home price in Hill City?
The median owner-occupied home value in Hill City, Kansas is $89,300, against $88,800 across Graham County.
Is it cheaper to rent or buy in Hill City?
Median gross rent in Hill City is $729 a month, against $932 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 Hill City — 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.