Total monthly cost of ownership
Cost to Own a Home in Lindsborg, Kansas
A $178,000 home here costs
$1,630per 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 $70,000 a year.
A standard mortgage calculator would have told you $970. The real number is $660 higher every month, 68% more than the payment most buyers budget for.
Compare McPherson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Lindsborg from a five-year rolling sample, and with about 3,773 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 McPherson 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.
Lindsborg against McPherson County and Kansas
| Measure | Lindsborg | McPherson County |
|---|---|---|
| Median home value | $178,200 | $198,400 |
| Median property tax | $2,452 | $2,780 |
| Effective tax rate | 1.376% | 1.401% |
| Median gross rent | $942 | $889 |
| Population | 3,773 | 30,130 |
The weather behind that power bill
Lindsborg sits in McPherson County, which averages a high of 92.8°F in its hottest month and a low of 19.0°F in its coldest, with 33.58" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 1,592 cooling and 4,957 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for McPherson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in McPherson County
Full McPherson County cost breakdown · Every county in Kansas
Talk to someone who works this market
These are Lindsborg 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 Lindsborg every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Lindsborg I already own here and may sell
Common questions
How much does it cost to own a home in Lindsborg?
A $178,000 home in Lindsborg, Kansas costs approximately $1,630 per month with 20% down at 7.24%. That is $970 principal and interest, $204 property tax, $104 homeowners insurance, $204 utilities and $148 set aside for maintenance.
What is the property tax rate in Lindsborg?
Lindsborg has an effective property tax rate of 1.376%, based on a median home value of $178,200 and median real estate taxes of $2,452. That is lower than the McPherson County average of 1.401%.
What is the average home price in Lindsborg?
The median owner-occupied home value in Lindsborg, Kansas is $178,200, against $198,400 across McPherson County.
Is it cheaper to rent or buy in Lindsborg?
Median gross rent in Lindsborg is $942 a month, against $1,630 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 Lindsborg?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Lindsborg, Kansas at today's rate takes a household income of roughly $70,000 a year. That covers the full $1,630 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Lindsborg, 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.