Total monthly cost of ownership
Cost to Own a Home in Holton, Kansas
A $143,000 home here costs
$1,338per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $735. The real number is $603 higher every month — 82% 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.
Holton against Jackson County and Kansas
| Measure | Holton | Jackson County |
|---|---|---|
| Median home value | $143,400 | $193,600 |
| Median property tax | $2,365 | $2,304 |
| Effective tax rate | 1.649% | 1.190% |
| Median gross rent | $780 | $856 |
| Population | 3,384 | 13,277 |
The weather behind that power bill
Holton sits in Jackson County, which averages a high of 87.5°F in its hottest month and a low of 15.2°F in its coldest, with 37.38" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 1,146 cooling and 5,661 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Jackson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
No other places of this size are published in Jackson County.
Common questions
How much does it cost to own a home in Holton?
A $143,000 home in Holton, Kansas costs approximately $1,338 per month with 20% down at 6.66%. That is $735 principal and interest, $197 property tax, $83 homeowners insurance, $204 utilities and $119 set aside for maintenance.
What is the property tax rate in Holton?
Holton has an effective property tax rate of 1.649%, based on a median home value of $143,400 and median real estate taxes of $2,365. That is higher than the Jackson County average of 1.190%.
What is the average home price in Holton?
The median owner-occupied home value in Holton, Kansas is $143,400, against $193,600 across Jackson County.
Is it cheaper to rent or buy in Holton?
Median gross rent in Holton is $780 a month, against $1,338 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 Holton — 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.