Total monthly cost of ownership
Cost to Own a Home in Holcomb, Kansas
A $207,000 home here costs
$1,865per 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 $80,000 a year.
A standard mortgage calculator would have told you $1,129. The real number is $737 higher every month, 65% more than the payment most buyers budget for.
Compare Finney County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Holcomb from a five-year rolling sample, and with about 2,582 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 Finney 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.
Holcomb against Finney County and Kansas
| Measure | Holcomb | Finney County |
|---|---|---|
| Median home value | $206,600 | $191,100 |
| Median property tax | $2,874 | $2,733 |
| Effective tax rate | 1.391% | 1.430% |
| Median gross rent | $821 | $991 |
| Population | 2,582 | 38,001 |
The weather behind that power bill
Holcomb sits in Finney County, which averages a high of 92.2°F in its hottest month and a low of 17.6°F in its coldest, with 18.95" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 1,325 cooling and 5,174 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Finney County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Finney County
Talk to someone who works this market
These are Holcomb 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 Holcomb every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Holcomb I already own here and may sell
Common questions
How much does it cost to own a home in Holcomb?
A $207,000 home in Holcomb, Kansas costs approximately $1,865 per month with 20% down at 7.24%. That is $1,129 principal and interest, $240 property tax, $121 homeowners insurance, $204 utilities and $173 set aside for maintenance.
What is the property tax rate in Holcomb?
Holcomb has an effective property tax rate of 1.391%, based on a median home value of $206,600 and median real estate taxes of $2,874. That is lower than the Finney County average of 1.430%.
What is the average home price in Holcomb?
The median owner-occupied home value in Holcomb, Kansas is $206,600, against $191,100 across Finney County.
Is it cheaper to rent or buy in Holcomb?
Median gross rent in Holcomb is $821 a month, against $1,865 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 Holcomb?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Holcomb, Kansas at today's rate takes a household income of roughly $80,000 a year. That covers the full $1,865 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Holcomb, 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.