Total monthly cost of ownership
Cost to Own a Home in La Cygne, Kansas
A $123,000 home here costs
$1,160per 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 $49,500 a year.
A standard mortgage calculator would have told you $671. The real number is $489 higher every month, 73% more than the payment most buyers budget for.
Compare Linn County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for La Cygne from a five-year rolling sample, and with about 1,368 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 Linn 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.
La Cygne against Linn County and Kansas
| Measure | La Cygne | Linn County |
|---|---|---|
| Median home value | $123,000 | $164,500 |
| Median property tax | $1,336 | $1,800 |
| Effective tax rate | 1.086% | 1.094% |
| Median gross rent | $864 | $682 |
| Population | 1,368 | 9,723 |
The weather behind that power bill
La Cygne sits in Linn County, which averages a high of 88.5°F in its hottest month and a low of 20.2°F in its coldest, with 41.26" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,355 cooling and 4,941 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Linn County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Linn County
Talk to someone who works this market
These are La Cygne 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 La Cygne every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in La Cygne I already own here and may sell
Common questions
How much does it cost to own a home in La Cygne?
A $123,000 home in La Cygne, Kansas costs approximately $1,160 per month with 20% down at 7.24%. That is $671 principal and interest, $111 property tax, $72 homeowners insurance, $204 utilities and $103 set aside for maintenance.
What is the property tax rate in La Cygne?
La Cygne has an effective property tax rate of 1.086%, based on a median home value of $123,000 and median real estate taxes of $1,336. That is in line with the Linn County average of 1.094%.
What is the average home price in La Cygne?
The median owner-occupied home value in La Cygne, Kansas is $123,000, against $164,500 across Linn County.
Is it cheaper to rent or buy in La Cygne?
Median gross rent in La Cygne is $864 a month, against $1,160 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 La Cygne?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in La Cygne, Kansas at today's rate takes a household income of roughly $49,500 a year. That covers the full $1,160 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for La Cygne, 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.