Total monthly cost of ownership
Cost to Own a Home in Kingsley, Iowa
A $146,000 home here costs
$1,298per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $751. The real number is $547 higher every month — 73% 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.
Kingsley against Plymouth County and Iowa
| Measure | Kingsley | Plymouth County |
|---|---|---|
| Median home value | $146,200 | $218,600 |
| Median property tax | $2,007 | $2,363 |
| Effective tax rate | 1.373% | 1.081% |
| Median gross rent | $761 | $865 |
| Population | 1,427 | 25,699 |
The weather behind that power bill
Kingsley sits in Plymouth County, which averages a high of 84.5°F in its hottest month and a low of 7.4°F in its coldest, with 29.99" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 756 cooling and 7,312 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Plymouth County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Plymouth County
Common questions
How much does it cost to own a home in Kingsley?
A $146,000 home in Kingsley, Iowa costs approximately $1,298 per month with 20% down at 6.66%. That is $751 principal and interest, $167 property tax, $64 homeowners insurance, $195 utilities and $122 set aside for maintenance.
What is the property tax rate in Kingsley?
Kingsley has an effective property tax rate of 1.373%, based on a median home value of $146,200 and median real estate taxes of $2,007. That is higher than the Plymouth County average of 1.081%.
What is the average home price in Kingsley?
The median owner-occupied home value in Kingsley, Iowa is $146,200, against $218,600 across Plymouth County.
Is it cheaper to rent or buy in Kingsley?
Median gross rent in Kingsley is $761 a month, against $1,298 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 Kingsley — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Iowa.
- 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.