Total monthly cost of ownership
Cost to Own a Home in Osage City, Kansas
A $135,000 home here costs
$1,246per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $694. The real number is $552 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.
Osage City against Osage County and Kansas
| Measure | Osage City | Osage County |
|---|---|---|
| Median home value | $135,400 | $142,800 |
| Median property tax | $1,884 | $2,282 |
| Effective tax rate | 1.391% | 1.598% |
| Median gross rent | $833 | $810 |
| Population | 2,837 | 15,780 |
The weather behind that power bill
Osage City sits in Osage County, which averages a high of 89.3°F in its hottest month and a low of 17.9°F in its coldest, with 38.85" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,316 cooling and 5,184 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Osage County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Osage County
Common questions
How much does it cost to own a home in Osage City?
A $135,000 home in Osage City, Kansas costs approximately $1,246 per month with 20% down at 6.66%. That is $694 principal and interest, $156 property tax, $79 homeowners insurance, $204 utilities and $113 set aside for maintenance.
What is the property tax rate in Osage City?
Osage City has an effective property tax rate of 1.391%, based on a median home value of $135,400 and median real estate taxes of $1,884. That is lower than the Osage County average of 1.598%.
What is the average home price in Osage City?
The median owner-occupied home value in Osage City, Kansas is $135,400, against $142,800 across Osage County.
Is it cheaper to rent or buy in Osage City?
Median gross rent in Osage City is $833 a month, against $1,246 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 Osage 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.