Total monthly cost of ownership
Cost to Own a Home in Ogden, Kansas
A $150,000 home here costs
$1,380per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $771. The real number is $609 higher every month — 79% 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.
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
Common questions
How much does it cost to own a home in Ogden?
A $150,000 home in Ogden, Kansas costs approximately $1,380 per month with 20% down at 6.66%. That is $771 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 $1,380 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 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.