Total monthly cost of ownership
Cost to Own a Home in Larned, Kansas
A $100,000 home here costs
$1,050per 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 $45,000 a year.
A standard mortgage calculator would have told you $545. The real number is $505 higher every month, 93% more than the payment most buyers budget for.
Compare Pawnee County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Larned from a five-year rolling sample, and with about 3,328 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 Pawnee 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.
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.
Talk to someone who works this market
These are Larned 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 Larned every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Larned I already own here and may sell
Common questions
How much does it cost to own a home in Larned?
A $100,000 home in Larned, Kansas costs approximately $1,050 per month with 20% down at 7.24%. That is $545 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 $1,050 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 Larned?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Larned, Kansas at today's rate takes a household income of roughly $45,000 a year. That covers the full $1,050 monthly cost, not just the mortgage payment.
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.