Total monthly cost of ownership
Cost to Own a Home in Ogden, Kansas
A $150,000 home here costs
$1,426per 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 $61,000 a year.
A standard mortgage calculator would have told you $818. The real number is $608 higher every month, 74% more than the payment most buyers budget for.
Compare Riley County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Ogden from a five-year rolling sample, and with about 1,628 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 Riley 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.
Ogden against Riley County and Kansas
| Measure | Ogden | Riley County |
|---|---|---|
| Median home value | $149,700 | $231,200 |
| Median property tax | $2,299 | $3,317 |
| Effective tax rate | 1.536% | 1.435% |
| Median gross rent | $1,164 | $1,065 |
| Population | 1,628 | 71,710 |
The weather behind that power bill
Ogden sits in Riley County, which averages a high of 91.5°F in its hottest month and a low of 17.8°F in its coldest, with 32.17" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 1,490 cooling and 5,104 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Riley County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Riley County
Talk to someone who works this market
These are Ogden 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 Ogden every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Ogden?
A $150,000 home in Ogden, Kansas costs approximately $1,426 per month with 20% down at 7.24%. That is $818 principal and interest, $192 property tax, $88 homeowners insurance, $204 utilities and $125 set aside for maintenance.
What is the property tax rate in Ogden?
Ogden has an effective property tax rate of 1.536%, based on a median home value of $149,700 and median real estate taxes of $2,299. That is higher than the Riley County average of 1.435%.
What is the average home price in Ogden?
The median owner-occupied home value in Ogden, Kansas is $149,700, against $231,200 across Riley County.
Is it cheaper to rent or buy in Ogden?
Median gross rent in Ogden is $1,164 a month, against $1,426 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 Ogden?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ogden, Kansas at today's rate takes a household income of roughly $61,000 a year. That covers the full $1,426 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ogden, 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.