Total monthly cost of ownership
Cost to Own a Home in Kingsley, Iowa
A $146,000 home here costs
$1,358per 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 $58,000 a year.
A standard mortgage calculator would have told you $796. The real number is $562 higher every month, 71% more than the payment most buyers budget for.
Compare Plymouth County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Kingsley from a five-year rolling sample, and with about 1,427 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 Plymouth 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.
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 $142 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
Talk to someone who works this market
These are Kingsley 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 Kingsley every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Kingsley I already own here and may sell
Common questions
How much does it cost to own a home in Kingsley?
A $146,000 home in Kingsley, Iowa costs approximately $1,358 per month with 20% down at 7.24%. That is $796 principal and interest, $167 property tax, $64 homeowners insurance, $210 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 $1,358 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 Kingsley?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Kingsley, Iowa at today's rate takes a household income of roughly $58,000 a year. That covers the full $1,358 monthly cost, not just the mortgage payment.
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.