Total monthly cost of ownership
Cost to Own a Home in La Crosse, Kansas
A $83,000 home here costs
$878per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $427. The real number is $452 higher every month — 106% 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.
La Crosse against Rush County and Kansas
| Measure | La Crosse | Rush County |
|---|---|---|
| Median home value | $82,800 | $79,300 |
| Median property tax | $1,557 | $1,504 |
| Effective tax rate | 1.880% | 1.897% |
| Median gross rent | $744 | $700 |
| Population | 1,081 | 2,957 |
The weather behind that power bill
La Crosse sits in Rush County, which averages a high of 92.3°F in its hottest month and a low of 15.6°F in its coldest, with 26.52" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,319 cooling and 5,486 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Rush County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rush County
No other places of this size are published in Rush County.
Common questions
How much does it cost to own a home in La Crosse?
A $83,000 home in La Crosse, Kansas costs approximately $878 per month with 20% down at 6.66%. That is $427 principal and interest, $130 property tax, $48 homeowners insurance, $204 utilities and $69 set aside for maintenance.
What is the property tax rate in La Crosse?
La Crosse has an effective property tax rate of 1.880%, based on a median home value of $82,800 and median real estate taxes of $1,557. That is lower than the Rush County average of 1.897%.
What is the average home price in La Crosse?
The median owner-occupied home value in La Crosse, Kansas is $82,800, against $79,300 across Rush County.
Is it cheaper to rent or buy in La Crosse?
Median gross rent in La Crosse is $744 a month, against $878 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 La Crosse — 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.