Total monthly cost of ownership
Cost to Own a Home in Lindsborg, Kansas
A $178,000 home here costs
$1,575per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $915. The real number is $660 higher every month — 72% 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.
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
Common questions
How much does it cost to own a home in Lindsborg?
A $178,000 home in Lindsborg, Kansas costs approximately $1,575 per month with 20% down at 6.66%. That is $915 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 $1,575 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 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.