Total monthly cost of ownership
Cost to Own a Home in La Cygne, Kansas
A $123,000 home here costs
$1,122per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $632. The real number is $490 higher every month — 77% 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 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
Common questions
How much does it cost to own a home in La Cygne?
A $123,000 home in La Cygne, Kansas costs approximately $1,122 per month with 20% down at 6.66%. That is $632 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 $1,122 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 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.