Total monthly cost of ownership
Cost to Own a Home in Kinsley, Kansas
A $60,000 home here costs
$688per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $308. The real number is $380 higher every month — 123% 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.
Kinsley against Edwards County and Kansas
| Measure | Kinsley | Edwards County |
|---|---|---|
| Median home value | $59,900 | $70,500 |
| Median property tax | $1,086 | $1,123 |
| Effective tax rate | 1.813% | 1.593% |
| Median gross rent | $739 | $732 |
| Population | 1,342 | 2,817 |
The weather behind that power bill
Kinsley sits in Edwards County, which averages a high of 92.7°F in its hottest month and a low of 18.3°F in its coldest, with 26.75" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 1,451 cooling and 4,893 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Edwards County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Edwards County
No other places of this size are published in Edwards County.
Common questions
How much does it cost to own a home in Kinsley?
A $60,000 home in Kinsley, Kansas costs approximately $688 per month with 20% down at 6.66%. That is $308 principal and interest, $91 property tax, $35 homeowners insurance, $204 utilities and $50 set aside for maintenance.
What is the property tax rate in Kinsley?
Kinsley has an effective property tax rate of 1.813%, based on a median home value of $59,900 and median real estate taxes of $1,086. That is higher than the Edwards County average of 1.593%.
What is the average home price in Kinsley?
The median owner-occupied home value in Kinsley, Kansas is $59,900, against $70,500 across Edwards County.
Is it cheaper to rent or buy in Kinsley?
Median gross rent in Kinsley is $739 a month, against $688 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kinsley — 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.