Total monthly cost of ownership
Cost to Own a Home in Ness City, Kansas
A $100,000 home here costs
$1,024per 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 $510 higher every month — 99% 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.
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.
Common questions
How much does it cost to own a home in Ness City?
A $100,000 home in Ness City, Kansas costs approximately $1,024 per month with 20% down at 6.66%. That is $514 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 $1,024 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 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.