Total monthly cost of ownership
Cost to Own a Home in Larned, Kansas
A $100,000 home here costs
$1,019per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $514. The real number is $505 higher every month — 98% 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.
Larned against Pawnee County and Kansas
| Measure | Larned | Pawnee County |
|---|---|---|
| Median home value | $99,600 | $102,400 |
| Median property tax | $1,908 | $1,832 |
| Effective tax rate | 1.916% | 1.789% |
| Median gross rent | $766 | $806 |
| Population | 3,328 | 6,220 |
The weather behind that power bill
Larned sits in Pawnee County, which averages a high of 91.1°F in its hottest month and a low of 20.9°F in its coldest, with 27.24" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,460 cooling and 4,860 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Pawnee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pawnee County
No other places of this size are published in Pawnee County.
Common questions
How much does it cost to own a home in Larned?
A $100,000 home in Larned, Kansas costs approximately $1,019 per month with 20% down at 6.66%. That is $514 principal and interest, $160 property tax, $58 homeowners insurance, $204 utilities and $83 set aside for maintenance.
What is the property tax rate in Larned?
Larned has an effective property tax rate of 1.916%, based on a median home value of $99,600 and median real estate taxes of $1,908. That is higher than the Pawnee County average of 1.789%.
What is the average home price in Larned?
The median owner-occupied home value in Larned, Kansas is $99,600, against $102,400 across Pawnee County.
Is it cheaper to rent or buy in Larned?
Median gross rent in Larned is $766 a month, against $1,019 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 Larned — 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.