Total monthly cost of ownership
Cost to Own a Home in Horton, Kansas
A $75,000 home here costs
$779per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $386. The real number is $394 higher every month — 102% 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.
Horton against Brown County and Kansas
| Measure | Horton | Brown County |
|---|---|---|
| Median home value | $74,600 | $111,100 |
| Median property tax | $995 | $1,387 |
| Effective tax rate | 1.334% | 1.248% |
| Median gross rent | $665 | $675 |
| Population | 1,708 | 9,415 |
The weather behind that power bill
Horton 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 Horton?
A $75,000 home in Horton, Kansas costs approximately $779 per month with 20% down at 6.66%. That is $386 principal and interest, $83 property tax, $44 homeowners insurance, $204 utilities and $63 set aside for maintenance.
What is the property tax rate in Horton?
Horton has an effective property tax rate of 1.334%, based on a median home value of $74,600 and median real estate taxes of $995. That is higher than the Brown County average of 1.248%.
What is the average home price in Horton?
The median owner-occupied home value in Horton, Kansas is $74,600, against $111,100 across Brown County.
Is it cheaper to rent or buy in Horton?
Median gross rent in Horton is $665 a month, against $779 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 Horton — 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.