Total monthly cost of ownership
Cost to Own a Home in Humboldt, Kansas
A $92,000 home here costs
$960per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $473. The real number is $487 higher every month — 103% 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.
Humboldt against Allen County and Kansas
| Measure | Humboldt | Allen County |
|---|---|---|
| Median home value | $91,600 | $100,400 |
| Median property tax | $1,819 | $1,659 |
| Effective tax rate | 1.986% | 1.652% |
| Median gross rent | $552 | $685 |
| Population | 1,956 | 12,491 |
The weather behind that power bill
Humboldt sits in Allen County, which averages a high of 88.5°F in its hottest month and a low of 20.3°F in its coldest, with 42.04" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,440 cooling and 4,734 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Allen County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Allen County
Common questions
How much does it cost to own a home in Humboldt?
A $92,000 home in Humboldt, Kansas costs approximately $960 per month with 20% down at 6.66%. That is $473 principal and interest, $152 property tax, $54 homeowners insurance, $204 utilities and $77 set aside for maintenance.
What is the property tax rate in Humboldt?
Humboldt has an effective property tax rate of 1.986%, based on a median home value of $91,600 and median real estate taxes of $1,819. That is higher than the Allen County average of 1.652%.
What is the average home price in Humboldt?
The median owner-occupied home value in Humboldt, Kansas is $91,600, against $100,400 across Allen County.
Is it cheaper to rent or buy in Humboldt?
Median gross rent in Humboldt is $552 a month, against $960 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 Humboldt — 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.