Total monthly cost of ownership
Cost to Own a Home in Ness City, Kansas
A $100,000 home here costs
$1,055per 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 $510 higher every month, 94% more than the payment most buyers budget for.
Compare Ness County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Ness City from a five-year rolling sample, and with about 1,136 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 Ness 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.
Ness City against Ness County and Kansas
| Measure | Ness City | Ness County |
|---|---|---|
| Median home value | $100,300 | $85,400 |
| Median property tax | $1,981 | $1,678 |
| Effective tax rate | 1.975% | 1.965% |
| Median gross rent | $679 | $653 |
| Population | 1,136 | 2,659 |
The weather behind that power bill
Ness City sits in Ness County, which averages a high of 93.2°F in its hottest month and a low of 15.7°F in its coldest, with 22.59" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 1,356 cooling and 5,375 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Ness County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ness County
No other places of this size are published in Ness County.
Talk to someone who works this market
These are Ness City 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 Ness City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Ness City I already own here and may sell
Common questions
How much does it cost to own a home in Ness City?
A $100,000 home in Ness City, Kansas costs approximately $1,055 per month with 20% down at 7.24%. That is $545 principal and interest, $165 property tax, $58 homeowners insurance, $204 utilities and $83 set aside for maintenance.
What is the property tax rate in Ness City?
Ness City has an effective property tax rate of 1.975%, based on a median home value of $100,300 and median real estate taxes of $1,981. That is higher than the Ness County average of 1.965%.
What is the average home price in Ness City?
The median owner-occupied home value in Ness City, Kansas is $100,300, against $85,400 across Ness County.
Is it cheaper to rent or buy in Ness City?
Median gross rent in Ness City is $679 a month, against $1,055 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 Ness City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ness City, Kansas at today's rate takes a household income of roughly $45,000 a year. That covers the full $1,055 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ness City, 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.